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... I recently spoke to a couple who had lost their 27-year-old son three years ago. He was a hard-working guy-a workaholic. He was also married and had one child. He was having some pains in his chest and complained that his arm was bothering him. The doctor said it was just indigestion and sent him home. A few months later, he had a heart attack and died. Someone else told me about his brother having to undergo heart bypass surgery at 43. He went back to work too early and suffered a ... you can save time throughout your day. If you can, plan to take at least a half day off during the work week. If there's no way you can possibly do this, take another tack: Ask yourself whether you're spending too much time in the office. Do you really need to be out selling? Are you staying in the office to oversee staff? Work with your employees to write and review procedures for the agency. Make sure you're an active participant in this process. You'll be much more comfortable leaving ... a hospital bed before realizing this. If you have to be flat on your back before concluding that you're dispensable, it's much more pleasant when you're lying on a beach! Grace Bauer helps insurance agencies put together customized insurance procedural manuals to secure consistency, protect against errors and omissions, attain security, and increase efficiency. She can be reached at The Grace Bauer Group, Inc., P.O. Box 08121, Fort Myers, FL 33908, (800) 896-4226, fax (239) 489-1525, E-mail [email protected ...

You Can Save Time And Have A Life
Time: We don't have en...rld will spin along nicely without you-and so will your office. Don't wait unt...

...many other professionals, such as doctors, lawyers, architects, engineers, and...iligence can help reduce the frequency and severity of E&O claims as well ...

... it up? What will agency principals and owners think? When I started my busine...ased productivity, efficiency, morale, and most importantly, peace of mind. ...

... having problems trying to work ahead. Here's how: Don't differentiate among sick time, vacation time, and holidays. Combine them all into personal time, to be used at employees' discretion. Allow everyone to take off time as needed, whether for vacation, a doctor appointment, family illness, funeral leave, or a just plain me' day. Don't even spend time thinking this over - just do it! It's a great idea, and your employees will love it. Here's another idea: Why not give additional time ... the best offer wins! How can your agency attract and retain the best talent? Risk being different. Think about what's most important to prospective employees. Believe me, it's not work. Family and health come first, so consider offering additional time off. Boost office morale and productivity by establishing uninterrupted quiet time. Offer special benefits that other agencies don't. Establish a reputation as a great place to work. Some agency principals are in a state of denial. (I hope you know who you are.) They won't ... time off program, uninterrupted time, and special benefits. Keep your employees happy, and everything else will fall into place - increased business, increased efficiency, and increased revenue! Grace Bauer helps insurance agencies put together customized procedural manuals to secure consistency, protect against errors and omissions, attain security, and increase efficiency. She can be reached at The Grace Bauer Group, P.O. Box 08121, Fort Myers, FL 33908, (800) 896-4226, fax (941) 489-1525, e-mail [email protected] . Login ...

...eir revenue per worker. Work, work, and more work is being piled on everyone. ...reased business, increased efficiency, and increased revenue!

...rance. However, it’s not just for doctors and lawyers. This insurance policy covers errors and omissions, which can be a real problem...an you don’t need them. What you need and what the law requires can be two ve...

... client could make the agency liable for the damages. Remember that "perception is reality." If a client perceives that the agency harmed them, the agency will have to defend itself against that accusation. Remember, too, that many other professionals, such as doctors, lawyers, architects, engineers, and CPAs, have much more rigorous training, testing, apprenticeship, and licensing than people in insurance. Because insurance contracts and transactions are so technical, court decisions about what a professional standard of care is often go against ... carrier. E-COMMERCE RISKS Computers, the Internet, e-mail, and e-commerce have opened up a whole new arena of cyber risk. There's a plethora of high-tech businesses and applications that no one even imagined 20 years ago. General Liability, Errors & Omissions, Directors & Officers Liability, Media & Internet Liability, Crime & Fidelity, and Intellectual Property policies are just some of the insurance contracts dealing with these exposures. Intellectual property rights, copyright and trademark infringement, defamation, privacy and confidentiality, liability, and crime are example of ... 12:00:00 AM by CompleteMarkets Editor , Ken Buehler This content has not been rated yet. With so many new concepts, new types of business, and changes in existing insurance products, insurance agents need to be more diligent than ever in analyzing their Errors and Omissions risks and exposures. Some of the areas that open up agency E&O exposures are trusts, cyber risk, Non-Ownership Auto exposures (Personal and Business Auto), D&O Liability, Umbrella & Excess Liability, Employment Practices, home-based businesses ...