GENERAL COMPANY DESCRIPTION

Horizon Insurance was incorporated under the Commercial Code

of St. Lucia on July 2, 1998. It was continued under the Companies
Act of St. Lucia 1996 on August 7th 2000, and is licensed under
the Banking Act of St. Lucia (of 2006) to operate as a finance
company.
Horizon Insurance is an insurance company based in St. Lucia
focused on providing premium services to customers. The
insurance company is licensed to provide home and automobile
insurance to citizens of the country. The business was founded by
a reputable businessman, Joseph Emmanuel and business partner
Joshua Lee in July, 2008 with the founders having gone from a
small apartment operation, to successfully launching their
website and later establishing a headquarters building in Castries.
Horizon Insurance was created around the idea that other
insurance agencies provided unsatisfactory services that was very
difficult for the common man to understand. Horizon Insurance
seeks to create a better environment and provide a greater
quality of service to its customers.
Mission Statement: Protecting our customers assets
from potential loss at an affordable rate.
Throughout the ten years of the businesses existence,
Horizon Insurance has maintained a solid reputation for
efficiency and excellent customer service, with an
impeccable record of settling claims quickly, even in
times of disaster. Through sponsorship programs and the
overall development of youth, Horizon also takes an
active role in the welfare of the society.
Horizon Insurance knows that a persons home and their
vehicles are the most valuable assets they own and seeks
to protect them.
MARKETING PLAN
Objectives
Build an Insurance Partnership: The customer
does not want to shop every year for a new broker.
Horizon Insurance seeks to concentrate on building a
long-term relationship with its customers and make
the client and our staff appreciate the value of a
long-term relationship.

Promotion Strategy

We have depended in the past on a small advertisement in our local

newspaper, listings in the Yellow Pages, and word of mouth. We must
begin to investigate alternate ways to put our name in front of the public.

1. All advertising has to emphasize our differentiation point rather than

price. We will be developing a "Now what do I do?" message to
emphasize the need for dealing with Horizon Insurance professionals
so that in the event of loss, persons know they have the proper
protection.

2. We must sell the company, not the product. In spite of some

companies' efforts to minimize the importance of the broker, our
clients still identify with the broker, not the insurance company.

3. We have put our email address in our newspaper advertising, but we

must be careful about attracting clients from out of the area who may
be difficult to service and properly inspect.
4. Make contacts and support senior citizen groups. Identify sports and
hobby groups that involve seniors.

Pricing Strategy
Our customers are especially sensitive to value. We must
ensure that our price and service are perceived to be
good value to our client.
Our markets must offer several payment options to our
clients that are convenient to the client, not just to the
company. Example - payment on insured's preferred day
of month, not on the company's, and accepting payment
by credit or debit card. Many insureds are on a fixed
income and receive their income on a set day of each
month or a paycheck on a particular day.
Many of the larger insurance markets have increased
minimum premiums to $1,000 for any commercial
package policy. Our market should be able to
accommodate these customers with a minimum premium
of approximately $600.