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... yourself with the other person’s driving force, then use it for better result... XXXXXXXXXXXXXXX Quiet Mark your own ranges. Add any other behaviors you want ...

... coverage. On the other hand, symbol "7 " is only for vehicles listed on the policy. There would not be coverage for leased or non-owned vehicles with this symbol. Consequently, getting answers to these questions from your customer will help when requesting that coverage be structured appropriately. Symbol "9 " is only for non-owned vehicles. Other items to consider "Named Insured" status/"Drive Other Car" coverage. It should be standard practice to offer the owners of the business (where the business is the named insured) additional "Named Insured" status or "Drive Other Car" coverage. If a business owner suffered an injury as a pedestrian or as a passenger in another vehicle, he or she would need this coverage to collect uninsured motorist (UM) or underinsured ... cellular telephones, two-way radios, citizens band radios, or similar devices? How many automobiles are parked in one location overnight? Does the applicant lease/rent vehicles to others with operators? What is the maximum/average radius of operation? Is there a hired/non-owned exposure? The symbol on the policy indicates what vehicles the coverage includes. The applicable symbols (expressed in numbers), range from "1 " to "9 ," with symbol "1 " being the broadest. This provides coverage for any auto. Thus, if your customer were to lease a vehicle for a particular job, symbol "1 " would provide coverage. On the other hand, symbol "7 " is only for vehicles listed on the policy. There would not be coverage for leased or ...

...al: They might stretch, go to the driving range and hit several balls, and hit...nd dollars) that you’ve spent at the driving range just practicing. And not ju...

...ooking for an unsuspecting victim driving a vehicle that appears to be insured...

... to assist your Commercial Lines clients and prospects in this defense. Agents who learn more about CyberSecurity and establish relationships with network security firms that offer cyber-risk assessment and mitigation services will profit from additional fees and enhanced customer relationships. G. Edward Kalbaugh is a partner in Allegent Growth Strategies. Allegent is a full-service consulting firm specializing in services to the insurance industry. It is located at 100 Crossways Park Drive /, Ste. 104, Woodbury, NY 11797. The company can be reached by phone (516) 364-7034, fax (516) 364-7036, e-mail [email protected] , or visit www.allegentgsi.com . This article originally appeared in Rough Notes magazine and is reproduced by permission. Login or Register (for FREE) to gain access to thousands of other great articles. Need more reasons to ... CyberSecurity will receive a significant portion of these funds. G. Edward Kalbaugh discusses cyber-risk issues and what role insurance agents can play in addressing these risks. &# 160 Federal funding for CyberSecurity is important to insurance agents for a number of reasons. Before discussing these reasons, let's define CyberSecurity as any product or action that attempts to secure a wired or wireless network. These networks encompass a wide range of communication infrastructures, including wired and wireless internal office networks, external private networks, traditional public networks, the Internet, and the various networks used by local, state, and federal governments. Among the various CyberSecurity products or services, virus protection is the most familiar to computer users. But for most businesses, CyberSecurity can provide a complete spectrum of risk identification, mitigation protection, and ...

... reserved for exceptional agencies. So, perhaps it's time to reconsider the story of bank-agency acquisitions. Despite their relatively short history in the insurance distribution business, banks are financially sophisticated organizations and experienced acquirers. Most are conservative, disciplined capital investors that are accountable to boards of directors and to shareholders. As a growing component of the insurance distribution system, banks will continue to rely on agency acquisitions to drive their commercial lines strategies. And most will continue to acquire agencies in a thoughtful, strategic and disciplined manner. The expression "win-win transaction" is overused and often misapplied. But successful acquisitions enable both buyer and seller to realize their objectives. James M. Campbell is a principal and senior vice president of Reagan Consulting, Inc., an Atlanta-based management consulting firm that serves the insurance distribution ... Leading Banks in Insurance." Of the 407 participating banks from throughout the U.S., 52 reported on their most recent agency acquisition. Most of these transactions are current, including 58% that closed in either 2002 or 2003. Findings from the analysis of these transactions included: Price multiples paid by banks are in line with the current market. In today's market, agencies typically sell within a range of 5.5-to-8-times pro forma EBITDA (earnings before interest, taxes, depreciation and amortization) . A majority (53%) of the transactions reported by banks were priced below 7-times EBITDA ? well within the current market range — and 45% were priced below 6-times. Only 12.5% of theses deals exceeded 8-times EBITDA. Translated into a multiple of revenues, 47.9% were priced below 1.5-times agency ...

... 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 you see houses that vary in price from $100,000 to to-$500,000. Before the addition my friend's home would probably would've been appraised in at the bottom third of those in the area. When the addition is complete, his will be the benchmark. What he bought originally was an average house with great potential (a dream) . What ... her motivators are varied. A carrot' might be as simple as a kind word or a pat on the head. Special recognition might include a dog biscuit, playing fetch (providing attention), or a bone. For great performance, Mollie Deux may get a piece of steak or have someone scratch her so that her leg twitches. The sticks' of her world are equally simple. The range includes everything from a stern NO' to a rolled- up newspaper across her butt. Management of the work of an employee's work can be framed similarly. If they are right for the job, what's their turf' — what are the roles, responsibilities, and expectations of each employee? Once these are clearly defined and the employee is trained and motivated, let them run free. ...

... reserved for exceptional agencies. So, perhaps it's time to reconsider the story of bank-agency acquisitions. Despite their relatively short history in the insurance distribution business, banks are financially sophisticated organizations and experienced acquirers. Most are conservative, disciplined capital investors that are accountable to boards of directors and to shareholders. As a growing component of the insurance distribution system, banks will continue to rely on agency acquisitions to drive their commercial lines strategies. And most will continue to acquire agencies in a thoughtful, strategic and disciplined manner. The expression "win-win transaction" is overused and often misapplied. But successful acquisitions enable both buyer and seller to realize their objectives. James M. Campbell is a principal and senior vice president of Reagan Consulting, Inc., an Atlanta-based management consulting firm that serves the insurance distribution ... Leading Banks in Insurance." Of the 407 participating banks from throughout the U.S., 52 reported on their most recent agency acquisition. Most of these transactions are current, including 58% that closed in either 2002 or 2003. Findings from the analysis of these transactions included: Price multiples paid by banks are in line with the current market. In today's market, agencies typically sell within a range of 5.5-to-8-times pro forma EBITDA (earnings before interest, taxes, depreciation and amortization) . A majority (53%) of the transactions reported by banks were priced below 7-times EBITDA ? well within the current market range — and 45% were priced below 6-times. Only 12.5% of theses deals exceeded 8-times EBITDA. Translated into a multiple of revenues, 47.9% were priced below 1.5-times agency ...

...s so many workers. It may also be driving the desire for new ways to be wired ...

... stay on the cutting edge There was a time when stability, strength, and vast resources were the major factors influencing buying decisions. Although they still play a role in decision-making, technology has changed buying patterns. Today, companies want to make certain that what they're buying is on the leading edge. No business wants a Pentium IV chip when there's something faster. The technological bells and whistles often drive today's buying decisions. "State-of-the-art" disappeared because it describes what can be mistaken for a static situation, while "cutting-edge" conjures up an image of action, progress, and excitement. Cutting edge gets the purchase order. 9. Failure to do the research When Daimler Chrysler's PT Cruiser hit the showrooms in 2000, the funky little vehicle sold at above the sticker price. Why has ... team's request for a marketing program. The return-on-investment issue is a common query when marketing dollars are at stake. Why is marketing often perceived as being unable to deliver the desired results? Why are marketing programs often disappointing to those who pay for them? Here are 10 possible reasons: 1. Failure to direct the correct message to the correct audience For at least two decades, the IBM message rang throughout American business with undisputed clarity: You can't go wrong buying IBM. While IBM was praising itself, along came a kid from Texas with his own message: "Just take it out of the box, plug it in and go to work. If you need help, give us a call." The Dell Computer message spoke to the customer. The IBM story spoke to its ...