Answer the question at the end of the case.

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Microsoft Word - Sacramento Financial Group..docx

What do you think Moss should present to Anderson, and if so, how should the $50,000 budget be spent?"

SACRAMENTO FINANCIAL GROUP1 It was 7am on a cool January morning and Janet Moss was already in the office hard at work, starting what she anticipated to be a long and difficult day. Moss was the product manager for commercial insurance products for Sacramento Financial Group (SFG). She was preparing material for a meeting with SFG's president, Stacey Anderson, to discuss expansion of SFG's operations into the consumer markets. Moss' pitch was going to be for a new product she was envisioning and had conveniently named HIT (Home Insurance for Tanks). Having worked at SFG for nearly 2 years and hoping for a promotion, Moss' presentation could have great impact on SFG's future, as well as her own career prospects. SFG is a specialized financial services firm, focusing on commercial insurance and credit products. Located in Sacramento, CA, the company has a presence across the country and is a well-recognized name in the markets it serves. For example, SFG provides short-term loans to industrial companies, insures their equipment and product inventory, and provides motor vehicle insurance coverage for their vehicle fleets. In the conversations that morning, Moss said: \"Stacey Anderson has been putting a great deal of pressure on the entire company to find ways to grow, but I especially find my own team under a lot of pressure\". She then continued: \"I am seeing a good level of growth in our tank removal financing for commercial and industrial accounts, which is great, but growth is also there in the tank leakage insurance protection products we sell to these customers. They are scared as hell when it comes to the financial burden of oil tank leakage, and this has been a big growth opportunity for us, and we've capitalized on it well\". Moss then points to the stack of papers on her assistant's desk related to tank leakage insurance sales; she said she came in early this morning just so that she can process some of the mounting paperwork and also to begin to produce an executive presentation for Anderson on how to grow her group's business. \"While we are doing well selling tank leakage insurance to commercial accounts, I think there is a much greater untapped opportunity out there for us in consumer markets ... you know your average homeowner who should be just as concerned about oil tank leakage from their home heating system. What we are seeing in the commercial markets is just the tip of the iceberg, and the iceberg is the private home market\". Just a few weeks ago, Anderson had presented Moss and her team with a challenge to spend $50,000 to grow their business in an innovative way. Moss' interpreted this move as Anderson's personal challenge to Moss, to see if Moss was worthy of a promotion within the company or at least some form of raise. Having graduated from a top business school in New York City only 18 months earlier, Moss felt that the presentation scheduled for the next day was not just a business discussion but also a personal test. \"No pressure\