EXPLAIN HIGH PRICES Dear (Customer Name): UP, UP, AND AWAY . . . unfortunately, that's where insurance costs seem to be heading these days. More and more people are suing America...

EXPLAINS HARD MARKET Dear (Customer Name): You've probably noticed that your insurance rates have increased. It's nothing personal. The insurance industry is in what is ...

FINANCIAL INSURANCE Financial insurance (also known as Finite Risk insurance) is enjoying a revival in popularity as larger organizations search for ways to reduce their loss-payment timing risk and ...

Dear (Customer Name): Have you noticed this disturbing trend? The number of lawsuits filed is increasing and the amount of the awards being offered is...

HARD MARKET PRE-APPROACH Dear (Customer Name): THE PRICE IS RIGHT! It's free! Our risk management consultants come to you free of charge, and you might be surprised at what they'll have...

HOTELS AND MOTELS - 'ACCIDENTS CAN HAPPEN' UNFORTUNATELY, ACCIDENTS DO HAPPEN Dear (Customer Name): A swimmer slips on a wet poolside surface . . . a lodger inadvertently causes a small...

HOW TO AVOID THE 12 MOST COMMON CAUSES OF BROADCAST TOWER LOSS by Douglas Federau 'If it ain't broke, don't fix it' applies to the way many owners view the more than 20,000 broadcast towers dott...

Use this proven method to measure the effectiveness of your clients’ risk management programs.
Loss control programs play a key role in helping your clients manage their risks. Although these programs offer significant benefits, calculating their impact can be difficult.

There’s no time better than the beginning of the year to set some fiscal goals and create a plan for improving your financial situation. You are probably ready for a brand new beginning and the thought of sticking to a budget after the holiday spending spree might sound a little more appealing than it would at any other time of year. Here is a step-by-step guide to create some annual goals as well as a financial plan that will help usher in a whole new financial foundation for you and your family.

IF I WERE A MARKETING MANAGER FOR A DAY by Delbert Hawkins Once upon a time, a marketing representative was an ex-underwriter who went into the field because he or she was too youn...