https://completemarkets.com/company/CompleteMarkets/Articles/content-package/IMMS-Library/TabCategory/article-post/164/Windows-Of-Opportunity/
... underwriting categories. Basically, you have to show a company that you can make money for them. They have to have confidence in you. The summer-camps program, which began five years ago, is less labor intensive than the workers' compensation program, although it, too, required solid market research. The agency found that most companies were reluctant to handle summer camps because of the large number of children involved and the high risk of injury. It also found that camp operators were frustrated by wild fluctuations in premiums, last-minute restrictions and other aggravations that left them unable to prepare adequate budgets or schedules. Hibbs-Hallmark wrote its own stringent underwriting guidelines (requiring one counselor for every four students, written safety plans, sexual abuse policies and safety evaluations of equipment and facilities, among other things) and ... niche markets, I might quote ten customers and get three. Now, I quote ten and get nine or ten. It's a lot more efficient. The agency, which wrote $23 million in premiums in 1991, expects $37 million this year. The agency's niche marketing program include self-insured workers' compensation for Texas school districts and other governmental bodies, and a variety of coverages for children's summer camps and plant farms. These target markets account for a significantly higher profitability ratio than the agency's regular business, Monaghan says. Expanding programs to a statewide operation also requires a great deal of homework, Monaghan adds. You need to put together a lot of information to build programs like these, ' he says. You need to look at the number of prospects that are available, do a ...
https://completemarkets.com/Article/article-post/164/Windows-Of-Opportunity/
...of coverages for children's summer camps and plant farms. These target markets...a carrier. Today, it insures about 60 camps in Texas, Arkansas and
Missouri
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https://completemarkets.com/Article/article-post/1660/SAFETY-AND-SURVIVAL-IN-AN-EARTHQUAKE-PART-1/
... , etc. Fuel for cooking equipment-charcoal, lighter fluid, fuel for camp stove, presto logs, sterno Plastic knives, forks, spoons Paper plates and cups Paper towels Heavy-duty aluminum foil Plastic food wrap TOOL AND SUPPLIES Ax, shovel, broom Crescent wrench-for turning off gas main Screwdriver Pliers Hammer Coil of 1/2 ' rope Plastic tape Pen and paper Plastic sheeting Deck of cards, toys for children Coil of baling wire Pail for carrying water or supplies CAR MINI-SURVIVAL KIT Non-perishable food-store in clean coffee cans Bottled water First aid kit and book Flares Fire extinguisher-A-B-C type Blanket or sleeping bag Sealable plastic bags Flashlight-fresh and spare batteries and bulb Essential medication Tools-screwdriver, pliers Short rubber hose-for siphoning Small package of tissues Premoistened toilettes Local maps Extra clothes, jeans, sweater Sturdy shoes or boots STORAGE OF EMERGENCY SUPPLIES ... Do not spread rumors. Do not use your vehicle unless there is an emergency. Do not go sightseeing. Notify your out-of-town contact person' about your situation by mail if other communications are not available. When telephones become available, call your out-of-town contact. If telephone communications are difficult during daytime hours, try placing your call in off-peak hours between 1 and 6 a.m. Use outdoor barbecues, camping stoves, hibachis, chafing dishes, fondue pots, or fireplace for cooking. However, check the chimney for cracks and damages before using fireplace. Cooperate with public safety efforts. Do not go into damaged areas unless you have been requested to do so. Keep streets clear for passage of emergency vehicles. INSTRUCTIONS FOR GAS, ELECTRICITY, AND WATER Gas: Learn how to shut off gas ...