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... contract (both obvious ones and hidden ones); and managing your claim reserves/closed claims more effectively. Taking advantage of these opportunities is difficult without automation. We offer our clients a Contingency Contract Analysis® service that includes computer models of most contingency contracts for the past 10 years. Clients who use our recommendations and data to make intelligent choices have doubled their contingency bonuses, without alienating their companies or adversely affecting their customers. Negotiating better contingency contracts is the best way to make more money without additional work. Chris Burand can be reached at Burand & Associates, LLC, PMB 345, 1829 S. Pueblo Blvd., Pueblo, CO 81005, (719) 485-3868, fax (719) 485-3895, e-mail [email protected] , or Web site www.burand-associates.com . Login ... Register (for FREE) to gain access to thousands of other great articles. Need more reasons to join? Need insurance for you, your business or your family? Get quality appointments - Save yourself a whole lot of time & money when you use our directory of carriers, wholesalers and service providers. Negotiate lucrative contracts with carriers and wholesalers. Net result. More revenue for your agency! Clients & Prospects will research you, your co-workers and your agency here. The most comprehensive online insurance industry reference library for - Personal Lines Professionals Commercial Lines Professionals Life/Health & Benefits Professionals Online newsletters and content that you can use for your clients and social media efforts. Ability to attach leads and clients to your specific market searches, with e-mail alerts for all the market, articles, blogs ...

...e customer’s head and what are they often say tells the story. They like to br...three seconds. Then after a week or so of silence, the prospect e-mailed the r...

...t you’ve always done in terms of raises and bonuses might not be giving ...ucers, while others have technically proficient CSRs, along with sales centers...

... it was, we could handle fewer than 50 claims with the draft authority we had. The direct writer agents looked good because their adjusters had field-draft authority, while those representing our carriers didn't. Some claims fell through the cracks when the adjusters handling them were sent to San Francisco. Some home office claims people didn't realize the magnitude of our situation; they tried to do business as usual and alienated agents and policyholders alike with their slow service. A few companies announced that they would pay for food spoilage which resulted from home freezers thawing, even though this coverage is not included in most homeowners policies. This caused some ill will on the part of policyholders whose companies refused to pay for food spoilage. We were grateful that all of our policy information was not entered in our computer, ... in home appliances should be dried and rubbed or sprayed with oil to prevent corrosion. Radios, televisions, and other electronic systems should also be dried out, but not oiled. 14. Bedding and upholstered furniture must be dried immediately if saturated with water. Vacuuming will remove some of the odor and grit left by smoke damage, but these items should be separated from other possessions since they may affect nearby items. 15. Antiques, paintings, art objects, silver, and brass must be given special care. Dry them with soft cloths, but do not apply oil or rub them. This treatment will mar or otherwise damage hard finishes or surfaces. What to Do About Flood Damage 1. Notify your independent insurance agent. He or she will assign the loss immediately to a qualified ...

...catastrophe. Keep a generous supply of the following four checklists to distri...eted. The sheets were turned in to our office manager who prioritized the rema...

... , people don't take a job just for the money, nor do they leave one solely for a higher salary. An entire package of items and emotions goes into these decisions. The key is for management to determine the needs of the individual prospect or employee and then try to meet them. This is easier said than done when dealing with younger people who might have needs and values that seems alien to anyone over 40. But it's not impossible. Over and above a decent living, the needs of today's workers include: a sense of fairness, room to grow, the trust and respect of management, professionalism in the environment and reputation of the agency, and an opportunity to participate in decisions. Most importantly, employees want to know that what they're doing is making a difference. ... written job descriptions that include the responsibilities, functions, education, and experience required for the position. Link salary ranges and bonuses programs to the job position and the individual's eventual performance level. Because automation enhancements or organizational restructuring might change job responsibilities over time, review all job descriptions and salary ranges each year. Although most agencies raise salaries about 4% a year, location and agency performance might affect that percentage. For 17 years, we've been conducting national Compensation Surveys to give agency managers an idea of what other firms are paying for comparable positions. Managers can compare this information with local salary levels to facilitate the annual review process. Web sites that provide data on local salary ranges for comparable jobs include www.jobsmart.org, www.wageweb.com, and www.bls.gov/ncs/ocs/compub.htm. This article includes ...