ACCOUNT-UPGRADING Dear (Customer Name): Clients often ask us, 'Do I need to bond every single one of my employees to make certain I'm protected?' The subject of bonds can seem complex, but at (Yo...

AGENCY LITIGATION SUPPORT PRIMER by Paul DiStefano At one time or another, many agents become involved in litigation surrounding the agency or its principals and will require the professio...

Dear (Customer Name): HOW MANY HATS DO YOU WEAR? Many apartment owners find themselves saddled with more work than they bargained for...

CHEMICAL SPILLS by Scott Lawson Many companies establish spill-response plans to comply with the HAZWOPER standard (CFR 1910.120), yet fail to develop a program that addresses their specific hazards...

In decades past, specialty insurance programs were often fraught with folly. Today, underwriters know that a combination of inexperienced underwriting with an ineffective national sales organization can kill almost any program. How do you create or participate in one with a significant life span? Thomas Gillingham’s document should answer all of your questions.

DAY CARE CENTERS - 'WE ARE SPECIALISTS' AFTER-THE-FACT PROTECTION ISN'T ENOUGH Dear (Customer Name): Of course you want to be completely insured in case of a loss to your business, but...

DAY CARE CENTERS - ATTENTION TO DETAIL Dear (Customer Name): SEEKING ADVENTURE . . . EXPLORING . . . TAKING RISKS. . . these are all a natural part of growing up. And as a child care specialist, you...

DEVELOP A LEGAL FEE MANAGEMENT STRATEGY BEFORE YOU NEED IT by John Beringer In a significant majority of lawsuits, legal fees outweigh t...

ELECTRONICS FIRMS - 'GAPS IN YOUR PRESENT COVERAGE' Dear (Customer Name): JUST ONE SMALL DISTINCTION BETWEEN MOST INDUSTRIAL OPERATIONS AND YOUR FIRM . . . could be the deciding factor ...

ESOP Dear (Customer Name): When employees become owners, profits rise, morale increases, and company sales increase. That's the scenario according to Employee Stock Ownership Plan (ESOP). Studies ...