As clients sit down to discuss their insurance needs at our office, I cannot help but notice a pattern.  People with significant assets are not rightly protected on their insurance policies. For a fraction of what they spend on very insignificant things, they could buy the peace of mind they deserve and will protect their assets and their families.

At Horizon, our agenda is to educating every single client of ours about the importance of being protected. Review clients’ policies and their financial situation, by explaining the very simple difference between being insured versus being protected.

To our big surprise most of them have never heard such a thing before. They are not aware of the difference and simply state that “we thought everything was taken care of”. 

As soon as we do what we do best explain to them what is needed to protect them they are happy to have met us.

If we take the example of a car insurance. A family with a home two cars and young children have bare bone state mandated coverages.  We find that this market needs to get a better protection on their auto and their homes but instead we see hard working people that spend all their living hours working hard for their families but neglect to protect them. The adequate protection costs much less than, not just the latte they buy in the morning, but for the amount of the tip they give to the barista that gives them the coffee.

As you go through life make it your aim to be protected rather than insured. I guarantee you the difference it cost less than your Starbucks latte and sometimes less than the tips you give to the barista that makes you the latte.  Don’t settle for less when it comes to insurance!

At Horizon we take the time to make sure you are properly covered and will pair you with one of our many carriers that we have, to offer the best coverage and solution for your insurance needs.

Orieta Kristo
Co-Founder /Owner Principal
Horizon Insurance LLC

Exploring is imbedded in us since the day we are born. However, as we grow up and go through school and life, teachers, parents and managers beat exploration out of us and often we become robots and afraid of exploring. As we go through regular life struggles often we become prisoners of our daily routine. We stop exploring new things and ideas become a foreign concept and scare us.

As I am sitting in my back yard in a sunny summer Sunday afternoon, sipping in a Frappe, and discussing random things in life with my wife Gerta and our friends Jonel & Orieta Kristo a business conversation started. As I had started working in the Insurance Industry because of Orieta we started discussing how it would be to build our own Insurance Agency.

On a sunny Sunday afternoon sipping Frappe in the back yard, I could usually put a man in the moon. Per usual when talking about startups, blood started rushing through my body and I started crunching numbers in my head, thinking of what we would name the business and all the possible avenues and risks. As I calculate this with the speed of light for absolute no reason than my personal satisfaction, my friends and my wife apart from thinking I was a bit crazy they liked my enthusiasm.  Apart from the initial excitement we had to calculate how much was at stake and if we can pull it off.

With all this in mind we decided that we should not set anything in stone but we should explore the idea, and we did. We met each week, drafted a business plan, run through the numbers, and all we needed. The further we explored, the more we got into it. Soon it was clear that this would be a great fit for us.  After a few weeks of exploration it became evident to us that this was meant to be and it will be insane not to pursue it further.  This is how Horizon Insurance LLC was born.

This story can be anyone's, also it does not mean that everything you explore it turns into business.  I can attest to the fact that not all that you explore turns into the opportunity that fits you or that you would like to pursue. Exploring instead, is the form of inquiry of sorting possibilities for your next career or starting your own business. The more you do it the closer you get to find your path.

Since Exploring is in our DNA I challenge you to have 2015 as the year of your exploration if you have not done so yet. Do not shut down any doors, listen and explore each opportunity that comes your way, soon enough you will notice that exploring will bear fruits sooner than you thought it would.

Ardian Preci 
Co- Founder Principal of Horizon Insurance LLC 
CEO of MALCC- MA Albanian Chamber of Commerce