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ELECTRICAL CONTRACTORS - ELECTRICIANS NEED SPECIAL CARE Dear (Customer Name): As an electrical contractor, you have special insurance needs - requirements the average insurance agency just doe...
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INDEPENDENT CONTRACTORS: ARE THEY OR AREN'T THEY? by Marvin Sahl, CLU The use of independent contractors can give businesses greater flexibility and lower labor costs, reduce taxes...
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MANAGING RISK: A GUIDE FOR YOUR BUSINESS CLIENT Part 2 of 4 ESTABLISHING POLICY A policy statement expresses goals, directions, attitudes, and structure. It does not discuss ...
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USING A SMALL, HANDY GIFT Have you ever gotten a little promotional gadget in the mail that turned out to be so handy, you wondered how you ever functioned without it? Bottle openers, ov...
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LONG-TERM CARE INSURANCE: NOT FOR SENIORS ONLY! Imagine an insurance product that your clients will keep for 20 or 30 years, or longer, while continuing to pay you generous commissions...
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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...
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Frequently, the risk management planning and formulation process is myopic in defining the magnitude of probable maximum loss exposures. A significant task in crisis management plan strategy formulation is broadly to identify and measure the various potential crises and loss exposures. The crisis and loss exposure assessment must remain broad in nature and not become inhibited by the traditionally narrow considerations of only those perils addressed by standard commercial insurance policies.
There are three primary categories to consider in the comprehensive crisis exposure analysis. The following are the categories identified for crisis assessment considerations:
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WHEN CAN YOU BREAK EVEN? Some producers spend time worrying about the prices they charge without ever learning the prices they have to charge to break even. Their own business records, plus a li...
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VOICEMAIL MESSAGES THAT GET RESULTS Patricia A. Czech The more technology we introduce to help us communicate, the less we actually communicate. Most businesspeople will only return 20% o...
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HIDDEN LIABILITIES IN MERGERS AND ACQUISITIONS by Arthur Parry Increased financial benefits coupled with regulatory restrictions have caused many organizations to merge, acquire or...