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...4 should have about 6 gallons for 3 days. Also have purification tablets, but ... Consider replacing large plate glass windows with safety glass. Install positive latches on...

... Be sure the agency has access to such rating information as Best's Key Rating Guide. If you want more frequent updates, Best's publishes interim reports, a "Rating Monitor" (in Best's Review magazine), weekly "Best's Insurance Management Reports," and Best Day Service on the Internet. You can order individual Best's reports from most of your carriers. Although other rating sources exist, Best is probably the most familiar and is almost universally acceptable. As soon as ratings are published each year, review them for all of ... the carrier. Moving back and forth between "claims made" and "occurrence" policies can also be a problem, especially with Surplus Lines carriers, because provisions might vary between the two. Also, because many Surplus Lines carriers don't use standard forms, a careful review of the contract is important. When the policy is on an audit basis it's important to inform the insured of a possible difference in the rating basis between the standard and the Surplus Lines carrier. Because the Surplus Lines carrier usually won't permit a "turnback ... client. A client's loss might be your first chance to shine in their eyes. Don't let this opportunity slip away by allowing an uncaring company employee do your job for you. The worst thing you can do is to turn the claim over to a company service center and lose your importance to the client. When a client calls to tell you of a loss, advise, direct, and sympathize — show them everything in its best light, and demonstrate a sense of control. Never advise the insured that you'll try to ...

... the electronic methods available today, there is on reason not to be able to ...you'll try to get the carrier to take care of an uninsured loss. Don't argue w...