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...on several months ago that it is difficult to make a profit in personal lines ...re generally in a much better position to provide the type of products, pricing, and services that agencies need to handle personal lines profitably.

...lephone technique. Some are more difficult to master than others. All of these...fficiency Tact Courtesy Tolerance

...ary, overly personal, loaded, or difficult to answer. Avoid questions with relative t...challenge. Market research is critical to the growth and profitability of your...

... It's often difficult to understand that marketing is an ...ng rid of these myths can open the way to benefiting from marketing, ...

...d,' says Meyers. 'It's much more difficult to define a good commercial risk than it i...ourself,' he explains, 'you still have to sell insurance; that part doesn't ch...

...an important function. It can be difficult to allocate premiums properly. XXX & C...It's a good value, especially compared to what an equipment breakdown could co...

...ks to word processing, it is not difficult or expensive to contact every insured at least once dur...duced, with permission, from The Middleton Letter.

... . Long Loading Period. Loading of the database will continue for six to 12 months, depending on the normal policy renewal cycle. Delayed Total System Functioning. Full use of system functions is delayed until loading is complete. No Single Source Of Information. It is difficult to know, from day to day, which files have been loaded to the system. To locate a file, a CSR would check the agency system first, and then, if the file is not on the system, the paper files. Higher Additional ... because of the computer's superior ability to assemble data. To accomplish your objectives in creating the database, you must be able to retrieve the information after it is entered. For this to be possible, everyone should enter data in the same way, in the same place on the screens, every time. Before data entry begins, the design team should make the necessary decisions concerning the standardization of information, which is the single most important factor determining the success or failure of your agency's use of its database. Some of the ... of determining which data to input into your database. Years ago, when we were first loading our database (we used occurrence loading until approximately 80% of our files were loaded, and then crash loaded the balance-all with agency staff), we reviewed AMS' Homeowners screens and found that we had the ability to input not only the fire protection class code (ISO codes 1 through 10) but also the responding fire departments' names. We made the decision to load both because we thought we might need the responding fire ...

... against more serious claims can cost even more. While many large organizations may find it economically feasible to self-insure much or all of this exposure, smaller or thinly capitalized firms may be severely hit by even a single modest loss. Even some larger firms might find it difficult to absorb the cost of multiple suits. In the last few years, insurers have been queuing up to provide a specialized form of insurance specifically designed to protect against loss incurred in litigating and settling wrongful employment practices liability claims. The generic name for this new ... the employer's policies and procedures not getting communicated to the employee, inconsistent hiring and discipline practices, or the employer simply not knowing what the law requires. When employees or applicants have a dispute or complaint regarding their employment, they need to understand that procedures are in place to resolve those problems. Without an internal means of resolution, many employees will seek assistance outside the organization, and often that means an attorney. A well-designed employee handbook can be an effective tool in avoiding these all too common pitfalls. As a minimum, ... coverage is Employment Practices Liability insurance (EPLI) . It should be noted that insurance coverage for some kinds of wrongful employment practice claims may be available under standard business policies, such as the Commercial General Liability policy or even, to some extent, Personal Umbrella or Homeowners' policies. But relying on these sources for protection is likely to lead to disappointment or, at minimum, a protracted coverage dispute with your insurer. For several years, it has been the practice of insurers to incorporate language into these policies that eliminates or ...

... some larger firms might find it difficult to absorb the cost of multiple suit...__________________ ADDRESS YOUR FAX TO THE RISK MANAGEMENT LETTER at (714) ...