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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 ...

... most of us are working strictly for the money. Encourage time off, plan on it, and give time off. You'll probably notice increased productivity, efficiency, morale, and, most importantly, peace of mind. ENCOURAGE TIME OFF Everyone needs time off for doctor appointments, family illnesses, special appointments, and weekday errands. Especially now with agencies trying to do more work with fewer staff, we need the time. Some of us just need time for us — that special day to just do nothing. We can ... . In this document, Grace Bauer suggests that you view time off with a new perspective. Should I even bring it up? What will agency principals and owners think? When I started my business 12 years ago I still thought that employees should be at the office every single day. Under no circumstances should I ever call in sick. Management and fellow employees recognized sick days as a mortal sin. Susan is calling in sick. Her baby is sick again. John's out again. Yes, Susan needs to call in sick ... to do but thank you forever. Get rid of that employee guilt trip today. You'll enjoy increased productivity, efficiency, morale, and most importantly, peace of mind. 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 (800) 896-4226, or e-mail [email protected] . Login or Register (for FREE) to gain access to thousands of other great articles. Need more reasons to join ...

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

...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 ...