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... alternative means of heat and/or blankets available so that you'll be able to... which follows a major catastrophe, insureds will want to be reassured that th...

...p businesses, and apply this on a blanket basis to exclude 'all business'? Thi... a base commission of 15%, with an additional commission for meeting higher pr...

... Contractual - blanket ... Employees as Additional Insureds ...

...e's attention. Make up fliers and blanket your area, asking for phone calls. O...ossible in your area. These kinds of blanket, high-volume mailings differ from...

... computer backup is taken to a separate location each night in case the system needs to be rebuilt. Prepare for winter power failures. If your agency's heating system is based on electrical power, you should make sure that you have alternative means of heat and/or blankets available so that you'll be able to operate without heat. Maintain adequate supplies to meet your needs following a catastrophe. Be sure to have sufficient ACORD forms, claim forms, coffee, bottled water, non-perishable food, toilet paper and other materials you will need ... prepared and kept in a variety of locations to avoid the possibility that the plan itself could be destroyed or lost during a catastrophe. Each employee should be given, in advance, a written explanation of his or her responsibilities in the event of a catastrophe. Have additional copies of different job specifications available for distribution to any temporary help you may hire to help you through the period following a catastrophe. Review your catastrophe plan annually. Make any necessary adjustments, and explain the changes to all agency personnel. Prepare Your Office and ... disaster claims. Familiarize your entire agency staff with emergency claims-handling procedures. Everyone will have to lend a hand with claims after a major catastrophe, and temporary outside help may also be needed. Develop a streamlined and efficient system for maintaining special claims files and notifying your insureds of the progress of their claims. Be sure to contact each of your carriers and obtain, in writing, information on their catastrophe claims procedures. Determine the agency's policy regarding holiday/weekend hours following a catastrophe. If a catastrophe hits on a Friday night ...

... get into the disaster preparedness act! Here is an example of one of the IMMS newsletters, designed to make clients and prospects aware of many insurance-related topics, including earthquake preparedness. Be Ready, Be Safe, Be Prepared for an Earthquake Just like surfing and beach blanket bingo, earthquakes happen only in California, right? Wrong! Many people are surprised (and dismayed) to learn that earthquakes of a frightening intensity are as likely to occur on the Eastern seaboard or the plains of Missouri as they are in California-or in many ... Do About Flood Damage 1. Notify your independent insurance agent. He or she will assign the loss immediately to a qualified adjuster, who will call on you as soon as possible to inspect the damage. Following a major storm or other catastrophe, even with many additional adjusters on site and others enroute, it will take time to process an extraordinary number of claims. If your home has been destroyed, or yours is a serious case, tell your independent agent that you need priority help. 2. Before you enter a ... Before a Catastrophe 1. Alert police and fire departments to special conditions, such as an invalid who might require emergency evacuation. 2. Prepare an inventory list of personal valuables, household furnishings, and equipment so losses can be authoritatively itemized. 3. Keep your insurance coverage current with rising building replacement costs. Make sure you have enough coverage for the furnishings and other items you've purchased since you first bought insurance. And buy Flood and Earthquake insurance, if you're eligible and vulnerable. 4. Review your insurance policy. Are ...

...d the exposure of severe weather, blankets, cots and emergency restroom facili...er system, then there should be an additional array of items available to the ...

...and body with your arms, pillows, blankets, books, etc., to protect yourself f...nches to the ceiling. If you have additional questions about fire extinguishe...

... are in a wheelchair, lock the wheels of the chair once you are in a safe and protected position. If unable to move safely and quickly, stay where you are (even in bed) and cover your head and body with your arms, pillows, blankets, books, etc., to protect yourself from falling objects. Call for help if you need it! Use your whistle of flashlight to signal others. Bring attention to yourself in any way possible. Don't give up! If you are hearing-impaired and electricity ... take some extra precautions for their own safety and survival in the event of a disaster. From the following broad suggestions you may wish to choose those that apply to you and add others tailored to your individual needs. These special tips are designed to be used in addition to the guidelines listed elsewhere in this book. Before a Disaster Strikes Assess your own special need, limitations, and capabilities realistically, and write them down. Make several self-assessment lists; keep one on your person or readily available. This will be helpful to ... is securely attached to your home. If your chimney is very tall, consider means of strengthening or supporting it. 5. Other tips: Consider replacing large plate glass windows with safety glass. Install positive latches on all cabinets. Study the possibility of purchasing earthquake insurance. It may be a sound investment for you. If you rent your home, discuss these recommendations with your landlord. FIRE SAFETY Following a major earthquake, your local fire department may be overwhelmed with calls for assistance. They may be unable to respond to ...