With the dawn of every new media technology comes the fear on the part of agents that their customers will either find a new agent or buy insurance direct from the company. In this document, Sam Meyer describes how you're now in a position to encourage your clients and prospects to buy their insurance direct — direct from you!

Appropriate claims handling can easily reduce payouts and an entity’s losses by 20%-50%. In this article, Monte Gale provides an adjuster’s guide to controlling a loss once it’s submitted.

DISSOLVING SHAREHOLDER RELATIONSHIPS by Paul Di Stefano, CPA Issues involving the breakup of partners or shareholders can be more complex than one might consider at first blush. A break...

DONT LET DOMESTIC VIOLENCE COME TO WORK Thousands of workers are being abused at home - and, all too often, this abuse spills over into the workplace. According to the American...

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 ...

LIABILITY RISK RETENTION ACT OF 1986 The following is the text of the Products Liability Risk Retention Act of 1981 as amended by the Risk Retention Amendments of 1986, creating the Liability Risk Re...

INFORMATION DATE 19890626 DESCRIPTION USDOL Program Highlights - OSHA's Expanded Hazard Communications Standard SUBJECT OSHA's Expanded hazard communication standard U. S. Department of Labor Pr...

SAYING GOODBYE IS HARD TO DO Employers devote a lot of time and resources to developing recruitment, screening, and orientation policies. But few devote a similar amount of time to their policies for...

An agency valuation I completed recently came in considerably lower than the agency owners expected. The reason? Their balance sheet was very poor and they were materially out of trust: Meaning that their ratio of Accounts Receivable + Cash to Accounts Payable was less than 1. The agency principals were quite upset that I would decrease their value for this reason. They retorted, “We always pay our companies on time, our companies have never been hurt by this, our customers have never been hurt by this, and our CPA has never found fault with this practice. You're the only one who thinks it matters!”

This document by Monte Gale illustrates the 'Magic Bullet' for cutting Workers Comp losses prospectively by 20% to 50% for those who’ve often said, 'There’s no magic bullet'