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... news. The bad news is that the customers he serves, the industry in which h.... The conversion of their house and home dream to the current reality that e...

...ing), the next step is to attract customers to your site. Search engines are a...ate for your needs and those of your customers/prospects, and you'll have many...

...r even exclude coverages away from home areas. It is important, therefore, to ...nd other high-value items can exhaust Homeowners polices' off-premises limits ...

... . 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 Back Life Insurance Prospecting - Travel Business 4/30/2013 10:40:04 PM by CompleteMarkets ... in danger of lapsing while the travelers are away, and also advise about the potential problems. For example, many Medical Expense plans-HMOs, PPOs, Blue Cross/Blue Shield plans, and the employers' self-funded plans-reduce, restrict, or even exclude coverages away from home areas. It is important, therefore, to review Group certificates of coverage, as well as policies. A Life/Health producer will also examine the Life policies, of course, to identify possible improvements. There will probably be many; hardly any existing ... program is beyond serious improvement potential. Many participating policies have serious dollars fast asleep, unknown to their owners, in the form of accumulated dividends or in cash values of paid-up additions. Life producer(s ) should address these, and many other, potentials for service. Picking up Life policies for review is 90% of the sale, according to many managers. This is a timely, practical way to achieve that step on a service basis. Life producers often provide better, more up-to-date, less costly insurance programs as ...

... . 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 Back A Back Porch Mba!4/30/2013 12:00:00 AM by CompleteMarkets Editor ... challenge to the vernacular - when you are up to your ass in alligators, it's tough to remember your original challenge is to drain the swamp. We were sitting on his back porch. My friend had to meet with a contractor to discuss a major addition to his home. I had time to do what I do best - not think but observe. His is a modest house sitting on a beautiful, tree filled lot. My only companion during his absence was his dog, Mollie Deux. She's a yellow Lab or maybe ... 60 houses on the single road that is this subdivision. The land was once a sugar cane field so there are no trees except for those that formed the fence row. The one exception is my friend's lot. It has literally dozens of trees. The original builder had the vision to plant these trees and my friend and his spouse had the vision and discipline to maintain them when they really were out of place in the subdivision. His yard is different in a subdivision built on sameness. As you drive down this road ...

... strategic risk management; fully custom coverage structures built to match ea...ction industry is the only business Builders Mutual writes), combined with a d...

...en the parties is consistent with customary practice industry practice or is s...ries this coverage. While building a home, the general contractor hired the s...

...en the parties is consistent with customary practice industry practice or is s...ries this coverage. While building a home, the general contractor hired the s...

... . 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 Back Statutory Employers, Special Employers, And Workers' Compensation 4/30/2013 10:45: ... required to prove this status. Similarly, a company wishing to obtain immunity from tort liability under the exclusive remedy statute must prove statutory employer status. CONSTRUCTION AND TRANSPORTATION Statutory employer situations often arise in the construction industry. For example, a general contractor is building new homes. Since it has two officers, but no employees, it is not required to carry Workers' Comp insurance. The actual construction of houses is subcontracted out. A subcontractor with employees, however, must show the general contractor proof that it carries this coverage ... While building a home, the general contractor hired the subcontractor to perform roofing work with payment to be based on the square footage of the completed roof. The subcontractor did not carry Workers' Comp, and it was understood that he would not employ anyone. However, the subcontractor hired a worker to assist him: an experienced roofer who worked for another company but performed side jobs several times a year. This worker fell and was injured. The court held that he was an employee of the general contractor, not an independent ...

... . 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 Back Statutory Employers, Special Employers, And Workers Compensation 4/30/2013 10:45:23 ... required to prove this status. Similarly, a company wishing to obtain immunity from tort liability under the exclusive remedy statute must prove statutory employer status. CONSTRUCTION AND TRANSPORTATION Statutory employer situations often arise in the construction industry. For example, a general contractor is building new homes. Since it has two officers, but no employees, it is not required to carry Workers Comp insurance. The actual construction of houses is subcontracted out. A subcontractor with employees, however, must show the general contractor proof that it carries this coverage. ... building a home, the general contractor hired the subcontractor to perform roofing work with payment to be based on the square footage of the completed roof. The subcontractor did not carry Workers Comp, and it was understood that he would not employ anyone. However, the subcontractor hired a worker to assist him: an experienced roofer who worked for another company but performed side jobs several times a year. This worker fell and was injured. The court held that he was an employee of the general contractor, not an independent contractor, ...