AFTER AN EARTHQUAKE: A CHECKLIST FROM THE AMERICAN RED CROSS When preparing your family plan, fill in the blank lines on this page. Following an earthquake, check the boxes as you compl...

AGENCY COMPENSATION SURVEY by Carol Hammes As of this writing, the government has determined that the insurance industry as a whole has 2.2 million workers who earn an average of $3...

AUTO SUBROGATION Dear (Customer Name), RE: Collision Loss Date of Loss Location Our Insured As insurance brokers for (Company Name), we have been advised of the acciden...

INFORMATION DATE 19890626 DESCRIPTION USDOL Program Highlights, Back Injuries SUBJECT Back Injuries3/4 Nation's Number One Workplace Safety Problem U. S. Department of Labo...

BOMBS by Douglas Henderson Bomb threats and actual detonations have become an all-too-frequent problem for American business. This article discusses: Responses to a Bomb Threat ...

Agents who’ve experienced a hard market know that claims are often scrutinized much more closely than they are in a soft market. Unfortunately, circumstances sometimes lead to the denial of claims that are covered regardless of market conditions. This document by the Virtual University faculty provides an example of what you might see more of in the months to come.

The cluster concept has been a popular one for doctors, dentists, realtors, and others for many years. Insurance agency clusters have been around for a few decades, but interest in them intensified during the hard market of the early 1980s. At that time, smaller agencies banded together to protect themselves against increasing carrier demands brought on by tighter market conditions.

DISASTER PLANNING GUIDELINES by Bill Grieb The Plan Do you have a written emergency action plan? Does your emergency plan cover: fire and explosion...

ENHANCE YOUR AGENCY'S WEB SITE! by Steve Brightbill In the impersonal marketing environment of the Internet, injecting your agency's personality into your Web site enhances you...

FAMILY & MEDICAL LEAVE ACT OF 1993 by Marvin Sahl, CLU Final rules for The Family and Medical Leave Act of 1993 (FMLA) were effective on February 6, 1995. The law and the rules are ...