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...te of Insurance from his or her contractors and vendors. XXX & Company per...wn could cost you. I'll call shortly and give you a few specifics on how this protection can enhance your property insurance portfolio. Cordially ...

...es for the aging, auto repairs, contractors, car washes, boards of education, credit unions, contractors who install water-based sprinkler ...es, sales are of paramount importance, and rewards are tied directly to premiu...

... Bank,' for a promotional program designed to appeal to the senior market and ...uct is to actually promote the company and its products and services. In the final analysis, it...

...-- Small/Medium Building Trades Contractors   E. 5 -- Attorneys  ...   8. DETERMINE SPECIFIC NEEDS AND ATTITUDE REGARDING:   ...

...and a back-up coordinator must be designated. The coordinator may be responsib...erations, including patient evaluation and treatment of non-life-threatening injuries 5. Light search and rescue operations, emphasizing limitations and dangers of various building constructions 6. Incident command system for organizing teams and logistical planning, as well as psychology of disaster and emotional environments 7. Course review and simulated disaster exercise Repr...

... . The chief of public works, chief engineer, or similar official may be responsible for maintaining building values and informing the risk manager of any changes-deletions or additions of properties and change in costs or values. This person will also frequently supervise the issuance of contracts to contractors. These contain insurance and indemnity provisions that should be carefully worded and supervised. The chief engineer may also design and maintain loss-prevention equipment, so close cooperation with the risk manager is essential. Counsel. The chief legal officer writes contracts that usually contain indemnity or ... provisions. His work strongly affects risk assumption. He may also have a responsibility for supervising liability or Workers Compensation (except for large liability claims), although this is a specialized function better handled by specialist claims adjusters. Whoever carries the mantle of risk manager will need to communicate closely with all the officer just mentioned. When Is a Full-Time Risk Manager Justified? As an organization grows, its risks become more complex, insurance premiums rise, and loss assumption capability grows. A point will be reached when a full-time risk manager ... but an element of a total risk-management program. Except in rare instances, the purchasing officer should have little or nothing to do with insurance or risk management. Chief Engineer. The chief of public works, chief engineer, or similar official may be responsible for maintaining building values and informing the risk manager of any changes-deletions or additions of properties and change in costs or values. This person will also frequently supervise the issuance of contracts to contractors. These contain insurance and indemnity provisions that should be carefully worded and supervised. The chief ...

... Open Doors For Ward Insurance Agency of Gatesville, opportunity did more than just knock. It walked in the front door and asked for an application. In about 1980, a controller from a construction firm office up the street walked in and asked if we had a contractor surety questionnaire, ' recalls John Ward, one of two principals in the family-owned business. The contractor had messed up the form provided by an out-of-town agent and needed a clean version to fill out. I said I could provide the same service for him locally ... Regnier recently added two more dbas to her agency-Municipal Services Agency of Texas and Ambulance Insurance Services of Texas-after CIGNA opened two new markets: municipalities with less than 10,000 people and privately owned ambulance companies. Nobody wants to mess with small municipalities, but after Glatfelter designed a program for them, ' she says. We think this will let us pick up a few of the fire departments and emergency organizations that have to be insured through their municipalities, too. That is where our network of agencies will help. We need ... 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 realistic estimate of the percentage you'll underwrite, estimate premiums, and break the premiums down into different underwriting categories. Basically, you have to ...

...e of one of the IMMS newsletters, designed to make clients and prospects aware...er who prioritized the remaining tasks and made sure they were completed before less important business was handled. We didn't want to set ourselves...

...on surety bonds-guarantees that contractors will complete construction project...crop. That gives us a good loss ratio, and keeps our companies happy, because ...

...ng the conversation with comments designed to push down the price can be fatal... agency evaluation, purchase, mergers, and business succession planning. You c...