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... Required) Please consider the following: 1. Would you recommend this company? 2. What about this company do you like/dislike? 3. Why did you choose this rating? Submit This Anonymously Submit Cancel Contact Us contact_phone Click to call Unfollow First name: Last name: Email: Are you sure you want to deactivate your CompleteMarkets Company Profile Deactivate Cancel Loading.. About Us Services Jobs PR Newsletters Employees Articles Blog Photos Group Connections Reviews IMMS Library Immerse yourself in our stacks. Take some time and browse through our library. We have thousands of articles, checklists, tip sheets, sales letters, and more! Communications Marketing Customer Service Planning Finance/Accounting Risk Management Human Resources Selling Legal and E&O Technology Life/Financial Services Glossaries Management Resources & Links Categories Popular Recent All ambulance Articles tagged with ambulance Back Do You Take Uninsured Motorist Coverage For Granted? This content has not been rated yet. CompleteMarkets Editor , Curtis Pearsall 8/7 /2014 12:00:00 AM If you answered Yes' to the above question, or I don't think so, ' please read on. If you answered No, ' congratulations.. All Articles by CompleteMarkets Editor Comments (0 ) Provide Risk Management — Not Insurance! This content has not been rated yet. CompleteMarkets Editor , Chris Burand 4/30/2013 12:00:00 AM PROVIDE RISK MANAGEMENT NOT INSURANCE! by Chris Burand An August 2000 Inc. article titled Bug Your Broker: Vigilance Lowers Insurance Costs' began, Insurance costs are a nuis.. All Articles by CompleteMarkets Editor Comments (0 ) ...

... Required) Please consider the following: 1. Would you recommend this company? 2. What about this company do you like/dislike? 3. Why did you choose this rating? Submit This Anonymously Submit Cancel Contact Us contact_phone Click to call Unfollow First name: Last name: Email: Are you sure you want to deactivate your CompleteMarkets Company Profile Deactivate Cancel Loading.. About Us Services Jobs PR Newsletters Employees Articles Blog Photos Group Connections Reviews IMMS Library Immerse yourself in our stacks. Take some time and browse through our library. We have thousands of articles, checklists, tip sheets, sales letters, and more! Communications Marketing Customer Service Planning Finance/Accounting Risk Management Human Resources Selling Legal and E&O Technology Life/Financial Services Glossaries Management Resources & Links Categories Popular Recent All ambulance chasing Articles tagged with ambulance chasing Back Provide Risk Management - Not Insurance! This content has not been rated yet. CompleteMarkets Editor , Chris Burand 4/30/2013 12:00:00 AM PROVIDE RISK MANAGEMENT NOT INSURANCE! by Chris Burand The future of your agency lies in offering risk management - not just insurance. THE PROBLEM: An August .. All Articles by CompleteMarkets Editor Comments (0 ) x No Thanks Loading.. Loading.. x No Thanks Loading.. ...

... Required) Please consider the following: 1. Would you recommend this company? 2. What about this company do you like/dislike? 3. Why did you choose this rating? Submit This Anonymously Submit Cancel Contact Us contact_phone Click to call Unfollow First name: Last name: Email: Are you sure you want to deactivate your CompleteMarkets Company Profile Deactivate Cancel Loading.. About Us Services Jobs PR Newsletters Employees Articles Blog Photos Group Connections Reviews IMMS Library Immerse yourself in our stacks. Take some time and browse through our library. We have thousands of articles, checklists, tip sheets, sales letters, and more! Communications Marketing Customer Service Planning Finance/Accounting Risk Management Human Resources Selling Legal and E&O Technology Life/Financial Services Glossaries Management Resources & Links Categories Popular Recent All ambulance companies Articles tagged with ambulance companies Back Discovering New Niche Programs In Commercial Lines This content has not been rated yet. Andrew Barile , CompleteMarkets Editor 4/30/2013 12:00:00 AM DISCOVERING NEW NICHE PROGRAMS IN COMMERCIAL LINES byAndy Barile Niche programs in Commercial Lines are an outgrowth of the Property/Casualty insurance industry's efforts to tailo.. All Articles by Andrew Barile Comments (0 ) x No Thanks Loading.. Loading.. x No Thanks Loading.. ...

... , she says, so it takes about twice as long for a producer or customer service representative to become seasoned. Travel and advertising expenses are greater than they are for more conventional property and casualty lines, too. One added expense is industry conventions. Seven years ago, I had no idea what a convention expense was, ' Regnier says. Now, we attend several firemen's and EMS conventions a year. We generally take three people-myself and two other producers-and that's very expensive. But we've seen a good return on that investment. The people in this field like to see you, slap you on the back and buy you a beer. The best advertising is word-of-mouth, and the conventions are one way to get that. Regnier recently added two more dbas to her agency-Municipal Services Agency of Texas and Ambulance Insurance Services of Texas-after CIGNA opened two new markets: municipalities with less than 10,000 people and privately owned ambulance companies. Nobody wants to mess with small municipalities, but after Glatfelter designed a program for them, ' she says. We think this will let us pick up a few of the fire departments and emergency organizations that have to be insured through their municipalities, too. That is where our network of agencies will help. We need people in these small towns who know the firefighters, who know the mayor, who can rub elbows with these people. Cities want to do business with a local agent. So far, the agency has only signed about a dozen municipalities and a few private ambulance companies. But Regnier says the agency is receiving so many inquiries that it will ...

... 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 ...

... 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 ...

... , she says, so it takes about twice as long for a producer or customer service representative to become seasoned. Travel and advertising expenses are greater than they are for more conventional property and casualty lines, too. One added expense is industry conventions. Seven years ago, I had no idea what a convention expense was, ' Regnier says. Now, we attend several firemen's and EMS conventions a year. We generally take three people-myself and two other producers-and that's very expensive. But we've seen a good return on that investment. The people in this field like to see you, slap you on the back and buy you a beer. The best advertising is word-of-mouth, and the conventions are one way to get that. Regnier recently added two more dbas to her agency-Municipal Services Agency of Texas and Ambulance Insurance Services of Texas-after CIGNA opened two new markets: municipalities with less than 10,000 people and privately owned ambulance companies. Nobody wants to mess with small municipalities, but after Glatfelter designed a program for them, ' she says. We think this will let us pick up a few of the fire departments and emergency organizations that have to be insured through their municipalities, too. That is where our network of agencies will help. We need people in these small towns who know the firefighters, who know the mayor, who can rub elbows with these people. Cities want to do business with a local agent. So far, the agency has only signed about a dozen municipalities and a few private ambulance companies. But Regnier says the agency is receiving so many inquiries that it will ...

... 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 ...

... including telephone directories and yellow pages, and then try to verify and expand the data with at least one other source. And that's a lot of compiling because, depending on how you count them, there are more than 10 million businesses in the U.S. List managers sell names gathered from magazines, newsletters, and other sources of customer lists. These are known as "responsive lists" because each person on the list has responded to an offer in some way. These are generally targeted lists and cost more than a simple compiled list. Most of the time they're worth the extra money because you know that the people on the list fit the profile of the type of prospect you want. GOVERNMENT LISTS A number of years ago we developed a marketing plan for an Emergency Medical Service (Ambulances) Program for the State of Texas. When we began looking for prospect names we called the state government offices. They 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 available a list of every EMS provider that was licensed in the state. We purchased the entire list of 1,300 names for $27.50. We narrowed the list down to the 350 prime prospects for the program and used them as the basis for a very successful marketing program. Another source for prospect information is the Securities and Exchange Commissions EDGAR database ( www.sec.gov ) . Every public corporation is required to file a report, known as a 10-K, with the SEC at least once a year. The EDGAR database contains ...