Each year potential hazards threaten the business community worldwide. Earthquakes, hurricanes, floods, fires, and other disruptive events represent a continuous problem throughout the business community. Many of these threats result in significant exposure to large and small businesses. When business operations are disrupted, companies suffer both tangible and intangible losses.

COMPREHENSIVE GENERAL Dear (Customer Name): HOW MUCH TIME DO YOU HAVE TO THINK ABOUT INSURANCE? Probably not a lot, because you have a business to run. When you deal with (Your Agency Nam...

DEVELOPING A BUSINESS CONTINUATION PLAN by Douglas Henderson Offer your expertise to help keep your clients in business when disaster strikes. More and more companies are thi...

FIVE WAYS TO IMPROVE BUSINESS SURVIVAL AFTER A WINDSTORM by Doug Henderson For many businesses, windstorms present A worst-case disaster scenario. In addition to disabling or destroying b...

PERPETUATION PLANNING: WHY? HOW? by Al Diamond Make perpetuation planning a normal part of managing your agency. Perpetuation planning. What a morbid thought! It means youre going...

SAMPLE CLUSTER AGREEMENT This template, developed by a leading attorney, covers all the bases. AGREEMENT made and entered into this ___ day of ____________, 19__,...

SPECIMEN CLUSTER AGREEMENT Prepared By: DAVID A. BAKST, ESQUIRE MORRISON, MAHONEY & MILLER AGREEMENT made and entered into this ___ day of ____________, 19__, by and among the followi...

If you are an entrepreneur, then you know that from the day you started your company you exposed yourself to certain risks.