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Marketing: The Art Of Different
Creativity in marketin...e and other groups that cater to your particular market, whether commercial, p...

.... For many of these stalwarts in business, ethical behavior isn't s... outpouring of community spirit on my part; it was the Northridge CA earthquake. We came together in adversit...

... Risk Management Human Resources Selling Legal and E&O Technology Life/Financial Services Glossaries Management Resources & Links Categories Popular Recent All Back Homeowners/Renters/Condos 4/30/2013 10:38:26 PM by CompleteMarkets Editor This content has not been rated yet. HOMEOWNERS/RENTERS/CONDOS &# 160 YES NO &# 160 &# 160 Do you own any antiques, fine arts, silverware, or collections such as unique dishes, figurines, and so on? &# 160 &# 160 Do you own any jewelry? &# 160 &# 160 Furs? &# 160 &# 160 Valuable camera equipment? &# 160 &# 160 Do you frequently carry, or keep in your home, more than $100 in cash? &# 160 & ... 160 Do you have a coin or stamp collection? &# 160 &# 160 Do you own any guns? &# 160 &# 160 Would you prefer to cover your personal belongings for their full replacement value (i.e., no deduction for depreciation)? &# 160 &# 160 Would you be interested in adding Earthquake or Flood insurance to your Homeowners protection? &# 160 &# 160 Do you currently have either a burglar, fire, or smoke alarm in your home? Do you own a second home or any other real property, such as a cabin, farm property, or any income-producing property? Are you currently engaged in any form of farming or ranching? Do you conduct any business or give private lessons in your home? Do you own a home ...

... silverware, silver-plated ware, gold-ware, gold-plated ware, or pewter, exceed $2 ,500? Do you keep any belongings in your home that are used in any manner for business use worth more than $2 ,500? Do you belong to any association of property owners responsible for something owned collectively? Do you have articles of value such as antiques, stamp or coin collections, fine arts, furs, golf equipment, musical instruments, silverware, china or the like, which you would like to insure on a scheduled per-item basis? Section II Coverages Would you like a limit of liability higher than $100,000? Would you like a higher amount of coverage for medical payments than the $1 ,000 limit? Do you own any other residence? Do you rent ... 000? Do you own firearms worth over $2 ,000? Does the value of your silverware, silver-plated ware, gold-ware, gold-plated ware, or pewter, exceed $2 ,500? Do you keep any belongings in your home that are used in any manner for business use worth more than $2 ,500? Do you belong to any association of property owners responsible for something owned collectively? Do you have articles of value such as antiques, stamp or coin collections, fine arts, furs, golf equipment, musical instruments, silverware, china or the like, which you would like to insure on a scheduled per-item basis? Section II Coverages Would you like a limit of liability higher than $100,000? Would you like a higher amount of coverage for medical payments ...

... for the stagnant size of a CSR's book of business are the continued soft market and lower commissions paid by the carriers. It also seems that automation has actually increased the CSR's workload because everyone expects more information and service. Carriers, too, expect agencies to do more of the carriers' work without getting paid for it. CONCLUSION Hiring and keeping a good CSR requires management to practice science and art: Review the numbers to make sure all the statistics are in line, but take the subjective side into account. It's often better to hire well-qualified CSRs and pay them more rather than just filling the position with low-paid, not-so-qualified people. By handling more work with less supervision, highly productive CSRs may save expenses in the long run. For the typical agency, the quality of the CSR ... had a profound impact on agency performance and profitability. CSRs account for roughly half of an agency's employees. Keeping in mind that payroll is the largest expense in any agency, the productivity of CSRs directly affects the agency's profitability. Hiring and retaining good CSRs (part of which requires fair compensation) is a key to increasing profits and agency value. FUNDAMENTALS The role of the CSR boils down to collecting, processing, and distributing information. Collection may be the most important. The CSR needs to know what information to gather and how to ask for it. The CSR must also be a people person. Good social skills and the ability to act as a go-between for the different parties-clients, producers, underwriters, and agency owners-are essential. The typical CSR spends about half the time talking to clients ...

...in achieving your business goals. Start with a plan that defines what you want...ducts. For example, many agencies post articles of interest or develop a “Freq...

...icles, such as snowmobiles or golf carts? HOM... 9.Would you be interested in adding Earthquake or Flood insurance to your Ho...

...r alarm? Do you have a fire department fire alarm? Do you have autom...g owned collectively? Do you have articles of value such as antiques, stamp or coin collections, fine arts, furs, golf equipment, musical ins...

...y. Hiring and retaining good CSRs (part of which requires fair compensation) i...res management to practice science and art: Review the numbers to make sure al...

...re societal phenomena in the last quarter of the 20th century. They speak volu... Fill in All the Spaces-   1. Part I-RESULTS   2. Part II-FRAMING THE RESULTS   &#...