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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 carpenter Articles tagged with carpenter Back Good Underwriting Submissions Guarantee More Sales This content has not been rated yet. CompleteMarkets Editor , Thomas Carpenter 4/30/2013 12:00:00 AM GOOD UNDERWRITING SUBMISSIONS GUARANTEE MORE SALES by Thomas Carpenter, CPCU Nothing is more discouraging to an experienced, professional large account underwrite.. All Articles by CompleteMarkets Editor Comments (0 ) Insuring Contractors? Be Careful - It Can Be A Big E&O Headache This content has not been rated yet. CompleteMarkets Editor , Curtis Pearsall 4/30/2013 10:44:08 PM INSURING CONTRACTORS? BE CAREFUL - IT CAN BE A BIG E&O HEADACHE by Curtis Pearsall With very few exceptions, most agents can count at least a few contractors among their clients. Unfortunately, .. All Articles ...

... x No Thanks Loading.. Mentoring For Agency Growth 4/30/2013 by CompleteMarkets Editor , Mona Carpenter This content has not been rated yet. According to Webster's, a mentor is a loyal advisor entrusted with the care and education of a student .. a wise and trusted counselor. In my experience, a mentor without these qualities can't successfully lead a rookie. Whether an agency's mentoring program succeeds and produces financial rewards depends on how it's structured and managed. I'll address methods for setting up a successful mentoring program for agency growth, including: Mentor-rookie matching Training schedule Compensation options Program monitoring and management MENTOR-ROOKIE MATCHING It's key to put together two people who are compatible. Most mentor relationships last 18 to 24 months. If mentor and rookie don't work effectively together or don't like each other, the relationship most likely will fail. An important tool in forming this team to give both participants a personality test. The test should cover communication styles, preferred working styles, motivational needs, and work ethic. The test I like is called Personalysis. The Mentor Let's examine the qualities of a successful mentor. I recommend setting a minimum book size to qualify a producer to become a mentor. The mentor should be one of the top producers in the agency, not whoever has free time to work with a new salesperson. Only the best should be teaching! A mentor must make a long-term commitment, usually two or more years, to working with the rookie. This individual should have a real vested interest, not just in his or her personal financial gains, but in the agency's ...

... , Gary Griffin 4/30/2013 10:35:25 PM ARE MULTI-YEAR POLICIES REALLY A GOOD CHOICE? by Gary Griffin Although multi-year insurance contracts are not new, they seem to be garnering much interest lately. The renewed interest in these polic.. All Articles by CompleteMarkets Editor Comments (0 ) Divorce And Agency Value: Separating Goodwill This content has not been rated yet. CompleteMarkets Editor , Roy Phillips 4/30/2013 10:44:36 PM DIVORCE AND AGENCY VALUE: SEPARATING GOODWILL by Roy Phillips In my agency valuation work with agents and their spouses in divorce cases over the past 15 years, the issue of profe.. All Articles by CompleteMarkets Editor Comments (0 ) Good Underwriting Submissions Guarantee More Sales This content has not been rated yet. CompleteMarkets Editor , Thomas Carpenter 4/30/2013 12:00:00 AM GOOD UNDERWRITING SUBMISSIONS GUARANTEE MORE SALES by Thomas Carpenter, CPCU Nothing is more discouraging to an experienced, professional large account underwrite.. All Articles by CompleteMarkets Editor Comments (0 ) Hard Market Pre-Approach This content has not been rated yet. CompleteMarkets Editor 4/30/2013 10:37:10 PM HARD MARKET PRE-APPROACH Dear (Customer Name): THE PRICE IS RIGHT! It's free! Our risk management consultants come to you free of charge, and you might be surprised at what they'll have.. All Articles by CompleteMarkets Editor Comments (0 ) Offering Risk Management Services To Clients This content has not been rated yet. CompleteMarkets Editor , Bob Schmitt 4/30/2013 10:45:23 PM OFFERING RISK MANAGEMENT SERVICES ...

... CompleteMarkets Editor , Preston Diamond 4/30/2013 12:00:00 AM DOES YOUR PREPARATION EXCEED YOUR PRESENTATION? by Preston Diamond Do you compare your presentations to a startup funding request for venture capital? How much money did you ask fo.. All Articles by CompleteMarkets Editor Comments (0 ) Don'T Make Promises To Clients That You Can'T Keep! This content has not been rated yet. CompleteMarkets Editor , Maribeth Kusmeski 4/30/2013 10:41:58 PM DONT MAKE PROMISES TO CLIENTS THAT YOU CANT KEEP! by Maribeth Kusmeski Did you ever make a big promise you cant keep? Often, theres a disconnect separating wha.. All Articles by CompleteMarkets Editor Comments (0 ) Good Underwriting Submissions Guarantee More Sales This content has not been rated yet. CompleteMarkets Editor , Thomas Carpenter 4/30/2013 12:00:00 AM GOOD UNDERWRITING SUBMISSIONS GUARANTEE MORE SALES by Thomas Carpenter, CPCU Nothing is more discouraging to an experienced, professional large account underwrite.. All Articles by CompleteMarkets Editor Comments (0 ) Objections? No Problem! This content has not been rated yet. CompleteMarkets Editor , Emily Huling 11/16/2018 12:00:00 AM Remember, as salespeople we want to hear objections. When buyers send out these signals, they're giving you clues about their interest. Give the buyer a chance to make the decision based on the information you've provided. If you've done a good job throughout the sales process, the objections you hear should enable you to reconfirm your value to the buyer and close the sale. All Articles by CompleteMarkets Editor ...

... x No Thanks Loading.. Good Underwriting Submissions Guarantee More Sales 4/30/2013 by CompleteMarkets Editor , Thomas Carpenter This content has not been rated yet. Nothing is more discouraging to an experienced, professional large account underwriter than another poor submission. If independent agents want to improve their hit ratios on new account activity and retain their existing business in a highly competitive environment, they should learn good underwriting submissions. Formal correctness does influence the underwriter's thought process. Because the insurance carrier should be an enthusiastic partner in the acquisition of the new account, so it behooves the independent agent to create a conducive atmosphere. A Perfect 10 underwriting submission would have the following characteristics: 1) Completed ACORD applications for all lines of coverage requested. Never submit handwritten applications-ever. 2) A thoughtfully written cover letter over the signature of a respected member of the firm, briefly describing all operations and providing answers to questions which could arise during a review of the applications. These might include such issues as named insureds, wide swings in payrolls or sales, and changes in geographic exposures. 3) Documented loss history and analysis for all lines of coverage. Be sure to include insurance carrier loss runs, currently valued, for at least three full years plus several months of the current year. Your underwriter will be grateful, and perhaps more receptive, if you provide an experience recap to simplify the underwriting analysis. 4) Comment on the physical properties of the account, and include current photographs of representative locations or problem exposures. A good picture is worth a thousand words. 5) Identify ...

... x No Thanks Loading.. The Perfect Ten: Good Underwriting Submissions Guarantee More Sales 4/30/2013 by CompleteMarkets Editor , Thomas Carpenter This content has not been rated yet. The better your underwriting submissions, the better for you, your companies — and your clients. Nothing is more discouraging to an experienced, professional large account underwriter than a poor submission. If you want to improve your hit ratios on new account activity and retain their existing business in a highly competitive environment, you need to provide professional underwriting submissions. Formal correctness does influence the underwriter's thought process. Because your insurance carrier should be an enthusiastic partner in the new account, it behooves you to create a conducive atmosphere. A "Perfect 10" underwriting submission would have the following characteristics: Completed ACORD applications for all lines of coverage requested. Never submit handwritten applications — ever. A thoughtfully written cover letter over the signature of a respected member of the firm, briefly describing all operations and answering questions which could arise during a review of the applications. These might include such issues as named insureds, wide swings in payrolls or sales, and changes in geographic exposures. A documented loss history and analysis for all lines of coverage. Be sure to include insurance carrier loss runs, currently valued, for at least three full years, plus several months of the current year. Your underwriter will be grateful, and perhaps more receptive, if you provide an experience recap to simplify the underwriting analysis. Comments on the physical properties of the account, including current photographs of representative locations or problem exposures. A ...

... market is hardening, finding coverages for contractors will become increasingly difficult. These are some of the issues that you'll probably face: Many contractors, especially the smaller ones, like to self-insure. At the time of a loss, they might try to argue that they thought you bound the coverage for which you recently gave them a proposal. Make your documentation very clear as to whether coverage is bound or not. To save money, contractors may try to understate their payroll or receipts to get the premium down. When the account gets audited, they might say that they don't have the money. Then you're stuck with a potential uncollectable audit. When you're marketing coverage for a contractor, be certain of the type of work it performs. If a company is writing what it thinks is a carpenter, only to find out through a claim that roofing is also being done, you could have a real problem. Get the contractor to detail in writing the type of work it performs. If you know that a company won't write for your contractor's type of work, tell the insurer up front and document your conversation. When something goes wrong with a bond, big dollars are typically at stake. It's critical that you know your agency's level of bonding authority and their proper procedure. A claim was made against an agency for failing to provide a performance bond required by a contract. A broker asked the agent to provide, one of its clients, a manufacturer, with a performance bond the customer required. The agent said the bond limit requested was in excess of its bonding authority ...

...h as mechanics, repair persons, carpenters, and plumbers. Over a third of the ...

...r skills and grow their sales. Carpenters have a golden rule: 'Measure twice,...

... your experience. In the language of your youth, it was "cool." Today you realize it was, in contemporary terms, the ultimate multisensory experience. Your heart was beating so fast! You're in the bleachers when you hear, "Ladies and gentlemen and children of all ages, look to the center ring and focus your eyes to the top of the tent. On the high wire the greatest with no net "Your mouth was wide open; your eyes were even wider. You don't remember breathing. She made it. No net! It was the most exciting thing you'd ever seen. You'll never forget it. This was the greatest show on earth, and she was the greatest performer. You loved your parents. Your mom was a teacher. Dad was a carpenter. You knew what they did. It was boring! You'd watched your friends' parents the butcher, the baker, the candlestick maker. They were doctors, lawyers, and Indian chiefs. They were boring. You vowed that day to join the circus. This is what would make your heart beat fast. You never wanted to be boring. You shared your dream of a life under the big tent with your parents they laughed. You knew your life would be spent soaring, not boring! Fast forward to today. Today. On the way to work you passed the circus. They were raising the tent. You flashed back to yesterday. Now you're at your office only to realize that you've settled in. Worse than not joining the circus, you've become your parents ...