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... Personal and Commercial Umbrellas vary widely, so make sure that your company doesn't exclude UM on the policy. If an insured refuses the higher UM limits, many states and companies require that they complete a sign-off form. Even if prospects tell you verbally that they don't want the coverage, never sign the form on their behalf. You may want to check with the company to see if all Named Insureds should sign, or just the first Named Insured. Here's an example of an Uninsured Motorist claim that illustrates many of these points. The case involves allegations that an agent failed to advise a client properly of the availability of higher limits of UM coverage and that the agent failed to obtain a written waiver of UM benefits equal to Liability limits as required by the state's Financial Responsibility Act. An ambulance owned and operated by one of the agency's clients was struck head on by an uninsured vehicle that had crossed the centerline of the highway. A nurse and patient were killed, and the driver was seriously injured. The insured's Business Auto policy had Liability limits of $500,000 but UM limits of only $35,000. The nurse's estate sued the insurance agency, contending that the Uninsured/Underinsured coverage should have been $500,000 and that the agent was negligent in not providing it. Each policy year, the client had been advised that the limits for Uninsured/Underinsured Motorist coverage would be equal to that of Liability coverage unless he chose a lower option. His priorities were to maintain high Liability limits but to keep premium costs down. He reasoned that his employees ...

... get upset when our finger gets sticky. When my mother-in-law was in the hospital, the sign on her door read "No BP/Venipuncture to left arm." A nurse walked into the room and began to inject something into her left arm. When asked about the procedure and its apparent conflict with the sign, the nurse said, "I didn't read it!" Develop and use your Common Sense (read the signs), especially in situations where the people you work with or who "work on you" don't. Episode # 2 — Unmet Needs Motivate. Pyschologist Abraham Maslow was a bright guy. His pyramid of human needs began with Survival, followed by Security, Social Acceptance, Self-Esteem, and Self-Actualization. Shortly after my mother-in-law arrived at the hospital from a long ambulance ride, the pain medication she had been given wore off. She started to hurt. When she asked for pain medicine, the hospital staff (who had been alerted about her pending arrival hours earlier) announced that the doctor hadn't ordered it yet. The system might have anticipated that an 80-something-year-old traveling in an ambulance for more than 12 hours might need pain medication when she arrived (while you're reading this, picture your mother screaming in pain) . When I encouraged the staff to call the doctor, they did. But that call only created the authority to give a pill; it didn't produce the pill. Unfortunately, the computer can't deliver the pill to the patient — only humans do that. Humans take breaks and change shifts, computers don't. Since my mother-in-law was so ...

... x No Thanks Loading.. Avoiding The Dangers: It'S No Time To Trip!11/20/2014 by John Graham This content has not been rated yet. AVOIDING THE DANGERS: IT'S NO TIME TO TRIP! by John Graham It happened on Thursday after lunch as I ran up five steps to the office holding a cup of coffee. On the second step, I tripped. Instantly I knew what happened. "Call an ambulance," I shouted. It was a complete quadriceps tendon tear; this time on the right thigh. Four months later, the surgeon's final checkup concluded with these words of caution, "Don't trip." Those words also make good business advice. While "Don't trip!" is a powerful message, it can be ignored, even at a time when it's easier than ever to take a dive on the second step. When they "trip," many businesses either don't recover or remain badly injured. Yet, their missteps can make us more aware of the dangers and how to avoid them. Here are a few examples: Never compromise credibility. Too many companies can't resist "putting a spin" on their actions, which only makes them look stupid or worse. Take what Bank of America's global strategy and marketing officer Anne Finucane said after her company pulled the plug on its $5 a month debit card charge in the face of a nationwide revolt led by a 21-year old part-time nanny. "We were too aggressive. We were convinced, given the environment, given the reaction, given the mood of the country ...

... accidental chemical splashes, falling objects, flying particles, unknown atmospheres with inadequate oxygen or toxic gases, fires, live electrical wiring, or similar emergencies need personal protective equipment, including: Safety glasses, goggles, or face shields for eye protection. Hard hats and safety shoes. Properly selected and fitted respirators. Whole body coverings, gloves, hoods, and boots. Body protection for abnormal environmental conditions such as extreme temperatures. Medical Assistance Employers not near an infirmary, clinic, or hospital should have someone on-site trained in first aid, have medical personnel readily available for advice and consultation, and develop written emergency medical procedures. It is essential that first aid supplies are available to the trained medical personnel, that emergency phone numbers are placed in conspicuous places near or on telephones, and prearranged ambulance services for any emergency are available. Further Information More detailed information on workplace emergencies is provided in "How to Prepare for Workplace Emergencies" (OSHA 3088) available free from OSHA Publications, Room N3101, 200 Constitution Ave., N.W., Washington, D.C. 20210, telephone (202) 219-4667, or local OSHA offices. This is one of a series of fact sheets highlighting U.S. Department of Labor programs. It is intended as a general description only and does not carry the force of legal opinion. Login or 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 & ...

... training should be provided to employees so that action can be taken immediately, rather than after calling a safety manager or other delays. Emergency Action Plans should be developed for evacuation, criminal activities, earthquake, flood, and snow. Emergency Action Posters Posters should be conspicuously displayed at appropriate sites throughout the workplace. These posters should warn of potential hazards and dangers and provide emergency action information. Such a poster might say, Don't use elevators in the event of an emergency. These posters should provide response information and emergency phone numbers. Other information might include first-aid measures: 1. Airway open and breathing 2. Circulation and bleeding 3. Poisoning 4. Severe burns 5. Shock When in doubt, dial 911. Here are some other phone numbers that you should have at hand: 1. Ambulance 2. Fire rescue 3. Poison control center 4. Physician 5. Alternate physician 6. Police 7. Hazardous materials 8. National Response Center: (800) 424-8802 Disaster Response Rules 1. Remain calm 2. Assess the situation. Identify the hazards and determine who is threatened. 3. Sound the alarm. Quickly notify others who may be affected and inform your supervisor of the emergency. Activate fire alarms or other warning devices. 4. Get help. The quickest and easiest way to obtain professional help for any type of emergency not specifically covered by available procedures is to CALL 911. When calling, remain calm and carefully describe the nature of the emergency and the location. 5. Plan and take action. In the event of a hazardous material incident you should: ...

... and other sources of business owners who have a list of customers. These are known as responsive lists because each person on the list has responded in some way to an offer. They're generally highly targeted and cost more than a simple compiled list. Most of the time, these lists are worth the extra money because the people on them fit exactly the profile of the type of prospect you've identified. Finally, there are federal, state, and local government lists. They're generally free or next to free and can be highly targeted to a specific type of business. Lists of individual consumers are also available. WHERE TO FIND GOVERNMENT LISTS The main problem with government lists is that they're hard to find. My company developed a marketing program for an Emergency Medical Service (EMS), or ambulance service, in Texas. When we first began looking for prospect names, we called the state government offices in Austin. We began with a phone number that provides general information. The people there directed us to the Texas Department of Health. After talking with several people about what we were looking for, we learned that the department had a list of every EMS provider licensed in the state. We purchased the entire list for only $27.50. It included 1,300 names, which we narrowed down to the 350 prime prospects for the program. These names were used as the basis for a very successful marketing program. The only other cost was the expense to type the names into the database. Most agents don't obtain lists this way because the process is much harder that it ...

... x No Thanks Loading.. First Aid 4/30/2013 by CompleteMarkets Editor , Bill Grieb This content has not been rated yet. FIRST AID by Bill Grieb This article discusses medical assistance and first aid requirements. GISO 2400 requirements are listed at the end. MEDICAL ASSISTANCE Employers who are not near an infirmary, clinic, or hospital should have someone on-site trained in first aid, backed by medical personnel readily available for advice and consultation. Written procedures should be developed for medical emergencies. It is essential that first aid supplies are available to the trained medical personnel, that emergency phone numbers are placed in conspicuous places near or on telephones, and that prearranged ambulance services are available for any emergency. FIRST AID KITS Every organization should have a first aid kit available. It does not need to be expensive and complex, but it should provide the basics, including supplies for large and small wounds and pain medication. A complete first aid kit should meet OSHA requirements and the CDC's recommendations for isolating rescuer from victim. There are over a dozen first aid regulations in the California Code of Regulations, and other states may have as many. In California's case, a committee is working to draft a single regulation for all industries. One approach being considered is a first level that requires a basic first aid kit and persons adequately trained in standard first aid. A second level would require plant and process evaluation, hazard identification, special need definition and augmentation of training and materials. Currently a licensed physician must be consulted regarding the contents of an employer's first aid kit. Many physicians ...

...r an Emergency Medical Service (Ambulances) Program for the State of Texas. W...

... and features you are likely to find in various types of Health insurance plans. Keep in mind that, unlike with P/C coverages, there are no standard' policy forms. Language of contracts and sales materials is not uniform. Very often, plans calling benefits by the same name mean different things. Language describing salient points of contracts and benefits can vary widely. You should study the terms, coverages, and exclusions of any policy or program you are selling thoroughly before making any presentations, or you may call in a Health insurance specialist. Benefits Whether an insured plan, a pre-paid plan, an HMO, or a PPO, an individual Health coverage contract should provide coverage for most of the following, as appropriate for each client: Accidents Alcohol and drug abuse Allergy testing-serum treatment Ambulance and transportation Ambulatory surgery (aka outpatient surgery) Anesthesia Annual physical Assistant surgeon Blood/plasma transfusions Burn ward benefits Chemotherapy Chiropractic (with limitations) Complications of pregnancy Congenital defects benefit Coronary Care Unit (CCU, a.k.a. Coronary Care and Monitoring Unit or CCMU) Dental surgery Dental tumors Family planning benefit Foot care Hemodialysis (limited benefit) Hospital miscellaneous charges Hospital room and board Impacted wisdom teeth Inhalation therapy Intensive Care Unit (ICU, aka Critical Care Unit or CCU) Laboratory tests Mental and nervous disorders Normal maternity benefits (1 ) (1 ) May be optional or not available in individual plans and some small Group plans. If included, the benefit may be limited as to how long a covered participant must have been covered by the plan, and may announce a dollar limit for normal ...