DEMAND CAREFUL POLICY REVIEW Because insurance policies are legal documents, some risk managers might assume that theyve been subject to meticulous examination by the insurer and the bro...

FAMILY RISK QUESTIONNAIRE We recommend a yearly review of all your insurance policies. This questionnaire makes that review quick and efficient. Please take a moment to answer the questions and retur...

HEALTH INSURANCE: MODULE V-H OVERVIEW Health insurance has grown into a vast and complicated field involving many types of policies and programs: Group, individua...

LEGAL OUTLINE FOR CALIFORNIA INSURANCE AGENCIES CHAPTER FOUR LITIGATION, LIABILITY INSURANCE, AND DISPUTE RESOLUTION 4.1 Risks posed by litigation. Litigation is a major threat t...

MAKE YOUR CLIENTS FEEL APPRECIATED! by Catherine Oak At your next general staff meeting, ask your people what they can do to get each client they see to feel appreciated. Have a leader ga...

MANAGING RISK: A GUIDE FOR YOUR BUSINESS CLIENT Part 3 of 4 RISK RETENTION Everyone retains risk. Most car owners have a collision deductible of at least $100. Owners of $200...

Gunther Gunderson had doubled the sales staff in his ski shop. Heidi Svenson, the shop's thermal underwear buyer, suggested that Gunderson might save money and take charge of his employees' medical insurance coverage by opening a Medical Savings Account (MSA). Gunderson was skeptical until Svenson showed him Section 105 (h) of the Internal Revenue code which allows employers to start MSAs for their employees' welfare.

PRODUCER SUCCESS LESSON 41:

Nothing happens until somebody sells something. To make sales happen, IMMS.com Key Sales Consultant Randy Schwantz has created a comprehensive series of 43 Producer Success Lessons. Used singly or in combination, these powerful tools can help your producers build their skills - and grow their sales.

PROTECT AGAINST E&O by Mary Beth Bolen E&O insurance is a type of coverage that protects individuals and businesses from losing potentially millions of dollars through uncovered losses that were jud...

RISK MANAGEMENT FOR DISASTERS: THE INSURANCE SOLUTION If disaster strikes, how well you protect your business against the risks it faces can make the difference between survival and extinction....