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WHAT TO ASK AND NOT TO ASK ON JOB APPLICATION FORMS The application form is your first line of inquiry into a job candidate's qualificat...
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RENTER'S INSURANCE Dear (Customer Name): HAS YOUR APARTMENT EVER BEEN VIOLATED? If you've ever had your apartment broken into, it has. Criminal hands groping through your belongings, in...
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CONGRATULATIONS LETTER Dear (Customer Name), I would like to congratulate you on becoming a new member of The Greater Boston Chamber Of Commerce. I am sure you will find your mem...
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DEALING WITH THE THREAT OF VIOLENCE IN THE WORKPLACE by Stephen Linzer If one of your employees calls you an obscene name and threatens to kill you, firing him or her might seem to be the appr...
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GOVERNMENTAL INSTITUTIONS - RESPONSIBILITIES EQUAL RISKS Dear (Customer Name): Every government entity, whether a school district or a municipality, has many responsibilities to many people. Because...
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RESTAURANTS - 'WE CAN DESIGN A SAFETY PROGRAM' 'I KNOW ALL ABOUT THE RESTAURANT BUSINESS' Dear (Customer Name), Everyone knows about the restaurant business - who hasn't eaten in one...
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The Long-term Care (LTC) family of products includes coverages for nursing homes, adult day care, home health care, assisted living facilities, and other related benefits. LTC has unique qualities, and there are many variations among the carriers.
LTC isn't a new concept. The coverage has been around for decades, but only recently has it been widely discussed. With the new wave of interest in LTC, sales took off slowly, built up, and then leveled off. All of this activity adds up to this picture: A large number of LTC prospects have heard about the product but haven't yet bought it. Why not?
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OFFERING RISK MANAGEMENT SERVICES TO CLIENTS Two successful agents focus on the benefits of providing risk management. Bob Schmitt FIMS, Inc. Rockford, IL The current bus...
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DISASTER PLANNING by Bill Grieb Disasters and emergencies can involve a single worker (for example, a heart attack on the job), several workers, or a complete plant or site. Disasters or emergencies...
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DRUG SCREENING YIELDS QUALITY WORKING PARTNERS Tucson Rubber Corporation is a manufacturer of rubber mechanical parts. The approximately 60 employees are predominantly entry-level workers with l...