https://completemarkets.com/Article/article-post/1540/Drug-Free-Workplace/
...How? Here's how substance-abusing workers compare to drug-free workers.
MORE: Work days missed
...e is dropping, now numbering 2.5% of workers and 4.3% of applicants. This drop...
https://completemarkets.com/Article/article-post/2451/Compulsory-Arbitration-Clauses-In-Contracts-With-Insurance-Producers/
... race, sex, age, or disability discrimination were intended by Congress to be tried in the federal courts, and could not be the subject of a mandatory arbitration provision. In 1991, however, the U.S. Supreme Court held that an arbitration clause in a collective bargaining contract covering age discrimination claims was enforceable. This led some to believe that arbitration agreements could be used for some kinds of statutory civil rights cases. However, recent cases suggest that the federal courts will continue to strike down compulsory arbitration clauses for civil rights ... . In 1998, the 9th U.S. Circuit Court of Appeals struck down an arbitration clause in a securities broker's contract in a sex-discrimination action on the grounds that Congress didn't intend to permit a waiver of the right to a trial in federal court in Title VII civil rights cases. The court did state that there's no constitutional bar to advance agreements to arbitrate state tort and contract claims (other than for violation of state civil rights laws) . Two recent 9th Circuit opinions have refused to enforce an employer-employee arbitration agreement in an Americans ... Marketing Agency of the Month Organizational Profiles Personal Lines Planning Questions & Answers Risk Management Selling Specialty Lines Technology Uncategorized Choose a Content Package All Member Content IMMS Library Jack Burke LIG Marine Managers USG Insurance Services, Inc. NIF Group Inc. PRS High Hazard/High Risk Workers' Compensation Business Insurance Insurance for Individuals and Families Personal Finance Search Titles only Search author Search Titles and content Show Results Loading.. Similar Articles Change Or Die! ' The Culture Of Your Organization Purchase And Sale Agreement Part I Independent Contractor Producer Agreement You Can't Get ...
https://completemarkets.com/Article/article-post/1780/AGREEMENT-FOR-PURCHASE-AND-SALE/
...the following assets ofSeller (collectively, the 'Assets'): 3.1 Insurance Acc...xhibit 'A' have been negotiated and bargained for in good faith, and shall be ...
https://completemarkets.com/Article/article-post/2389/Alternative-Dispute-Resolution-The-Latest-Trends/
...orks with all the participants collectively and separately in order to achieve...
https://completemarkets.com/Article/article-post/1577/VOLUNTARY-PROTECTION-PROGRAMS/
... review. Cooperation. A cooperative atmosphere is essential to make voluntary protection work. Construction companies are required to use a labor-management approach which includes joint labor-management safety and health committees. General industry sites may use some other form of employee participation. Companies must demonstrate that the collective bargaining agent(s ) representing their employees, if any, has (have) no objection to the company's participation. It is important under all Voluntary Protection Programs that both employers and employees recognize that they retain their rights and responsibilities under the Occupational Safety and ... Act. Good performance. Although performance levels required vary with the individual Voluntary Protection Program, the company must demonstrate that its efforts are working to minimize injury and illness in the workplace. Two indicators are the Bureau of Labor Statistics injury incidence and lost workday injury rates. Also, the company must have demonstrated good faith in any previous dealings with OSHA. STAR Open to any industry, Star is targeted for a company with comprehensive, successful safety and health programs. Companies that are in the forefront of employee protection as indicated by ... Marketing Agency of the Month Organizational Profiles Personal Lines Planning Questions & Answers Risk Management Selling Specialty Lines Technology Uncategorized Choose a Content Package All Member Content IMMS Library Jack Burke LIG Marine Managers USG Insurance Services, Inc. NIF Group Inc. PRS High Hazard/High Risk Workers' Compensation Business Insurance Insurance for Individuals and Families Personal Finance Search Titles only Search author Search Titles and content Show Results Loading.. Similar Articles Sample Telemarketing Scripts Commercial Lines Prospecting Letter Housekeeping And Personal Hygiene Practices 25 Ways To Do Direct Mail –– Better Countersignature Laws: ...
https://completemarkets.com/Article/article-post/595/Identifying-Fruitless-Prospects-Before-They-Waste-Your-Time/
... insurance product. 2. The Spy-Within a short period of time you realize that you're in the presence of a spy when the prospect is pumping you for information about insurance rather than you asking him questions about his situation and current coverages. The spy is interested in collecting information-not buying insurance from you. 3. The Fisherman-The fisherman throws you bait to see if you will take the hook. The hook is negotiating a rock-bottom price, sometimes including a reduction of commissions. The bait is the image of much more substantial ... related business if you give him a bargain price on his current coverage. The second lure is the promise of enhanced business from this customer as his business grows. We all hope that our smaller customers grow and require more insurance coverage as well. We also hope that if they are related to other businesses that we have the opportunity of insuring those other businesses because of our professionalism. However, negotiating price (and commissions) for the promise of things to come will put you up on that wall right next to the other ... Marketing Agency of the Month Organizational Profiles Personal Lines Planning Questions & Answers Risk Management Selling Specialty Lines Technology Uncategorized Choose a Content Package All Member Content IMMS Library Jack Burke LIG Marine Managers USG Insurance Services, Inc. NIF Group Inc. PRS High Hazard/High Risk Workers' Compensation Business Insurance Insurance for Individuals and Families Personal Finance Search Titles only Search author Search Titles and content Show Results Loading.. Similar Articles Sample Telemarketing Scripts Let's Talk About Agency Procedures Again Agency Bill Vs. Direct Bill: Avoid Confusion Sample Broker-Of-Record Letter Cross-Sell Letter ...
https://completemarkets.com/company/CompleteMarkets/Articles/content-package/IMMS-Library/TabCategory/article-post/1540/Drug-Free-Workplace/
... described in this pamphlet: a written policy statement, a supervisory training program, an employee education and awareness program, and an employee assistance program. You will need to make sure that your program meets several requirements, including: Statutory or regulatory requirements Disability discrimination provisions Collective bargaining agreements Any other requirements in effectz You need to make a number of decisions about how to set up and operate your program. The following list of questions will help you get started: Who will you test? (Only applicants? All employees? Only ... in safety-sensitive positions?) When will you test? (After all accidents? Only after some accidents? When performance becomes unacceptable? When an employee behaves abnormally? On a random basis? As part of a physical examination?) For which drugs will you test? (Only for marijuana and cocaine because they are the most commonly used illegal drugs? For all illegal drugs? For alcohol? For prescription drugs that may affect work performance?) How frequently will you test? (Weekly? Monthly? Once a year? ... country, in towns large and small, from small businesses to large corporations, the problems of substance abuse are hurting the workplace. That's a major business problem for you because substance abuse affects the bottom line. It costs you money. How? Here's how substance-abusing workers compare to drug-free workers. MORE: Work days missed Likely to injure self or others Workers' Compensation claims filed LESS: Productivity That means real dollar costs in these areas: Absenteeism Overtime pay Tardiness Sick leave Insurance claims Workers Compensation Hidden costs also drive up your ...
https://completemarkets.com/company/CompleteMarkets/Articles/content-package/IMMS-Library/TabCategory/article-post/239/Commission-Reduction-Strategies/
... be taken. You need to take specific actions to improve your cash flow and to reduce agency debt service. There are a number of actions that may be taken to improve cash flow. One step is to generate a return on the cash you are able to collect and use for a time. Another one is to binder bill renewals prior to renewal time. Even if you don't collect the renewal premium until the actual renewal date, you should be able to generate revenue from the collected premium for 30 to 45 days. ... circumstances, but there are some agencies with which they may be compatible. The key is to stay in touch with your clients so to offset the negative impact we feel service centers have on "your" client relationship. The key is to bargain hard before the commitment is made. Get the best commission deal you can and don't feel you have to roll over on renewal commissions and take whatever they are willing to give you. If your book is profitable and growing, don't give it away for a ... lost accounts. If a particular producer is losing business, but the others are stable, start calling on the clients of the producer with the problem and see if you can determine what the problem is. If you are losing accounts because you don't have a competitive Workers' Comp market, profile your Workers' Comp business and see what is needed. If you need a stand-alone market, identify a book of WC business that can be transferred to a new market and go to see the potential market with a plan. You ...
https://completemarkets.com/Article/article-post/912/DRUG-TESTING-AND-EMPLOYEE-ASSISTANCE-PROGRAMS/
...osts you money. Substance-abusing workers miss more workdays than drug-free workers. They are more likely to injure themselves or others and file Workers Compensation claims. They are less p...tions for transportation and defense workers, new drug-free policies, and atte...
https://completemarkets.com/Article/article-post/239/Commission-Reduction-Strategies/
...ause you don't have a competitive Workers' Comp market, profile your Workers' Comp business and see what is neede...