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Sample Electronic Communication Policy
Every fir...pression that the sender signed an electronic mail message or other electronic communications.

... within the agency that might be triggering cancellations. Expiration Reports. Run agency and direct bill expirations monthly. Believe it or not, one agency expiration review found an E&O situation that the company had missed — it wasn't even listed on the company report. Electronic Communications/Interface. Check to see that all company communications and downloads are performing well. Keep up-to-date on new systems. Make sure that things are running smoothly. Marketing Plans. If you have a marketing plan, track its progress and be prepared to make ... if necessary. Notes/Activities. Run reports per employee randomly to make sure that all activities are entered in the system and that there are no gaps. Suspense. Review suspense lists per employee weekly and make sure all employees are keeping up with the suspense. Most agencies have a serious problem here. CONCLUSION It's really as easy as that. Delegate employees to keep track of these areas and then have monthly meeting asking for updates in all areas. Get everything in writing and make the staff accountable. I realize that you ... x No Thanks Loading.. x No Thanks Loading.. x No Thanks Loading.. x No Thanks Loading.. CompleteMarkets 1 2 3 4 5 Rating history (0 Reviews - 0 of 5.0) Shows who have rated the content, and the rating score. Write your review here. (Required) Please consider the following: 1. Would you recommend this company? 2. What about this company do you like/dislike? 3. Why did you choose this rating? Submit This Anonymously Submit Cancel Contact Us contact_phone Click ...

... give your agency the best chance of winning an E&O judgment, you need to comply with these practices: The files must be the Primary Source of Information. This only becomes a problem if you have a dual filing system, for example paper files and electronic files. When maintaining a dual files system, both files must be identical. In other words, if your staff notes a phone conversation in the paper file, they should also note it in the activity log of the electronic file. My recommendation is that ... maintain one or the other. The data contained in these files must be Input in the Normal Course of Business. This means that CSRs or other agency personnel should enter data into the files while performing their agency duties. The Agency Relies on the Accuracy of the Record. The information in the files must be accurate and agency personnel must rely upon this fact. This applies whether you are maintaining manual (paper) or electronic files. The information must be Input By Competent Personnel. Every employee must have proper training to the ... x No Thanks Loading.. x No Thanks Loading.. x No Thanks Loading.. x No Thanks Loading.. CompleteMarkets 1 2 3 4 5 Rating history (0 Reviews - 0 of 5.0) Shows who have rated the content, and the rating score. Write your review here. (Required) Please consider the following: 1. Would you recommend this company? 2. What about this company do you like/dislike? 3. Why did you choose this rating? Submit This Anonymously Submit Cancel Contact Us contact_phone Click ...

...ident/nonresident agent status, electronic signatures, and electronic commerce in general. What’s certain...n all these cases, it’s essential to review renewal policies and forms, and ne...

... and follow well-written job descriptions and procedures. Many agency managers write and implement job descriptions and procedures, but find enforcement difficult. A simple step is to audit 10 to 15 files per CSR and/or producer every quarter. Check the files (whether paper or electronic) to learn if the staff and producers are following procedures and if CSRs are doing producers' work for them. LIMITED ACCOUNT SHOPPING At first, this solution might seem like anathema in a hard market. However, the one resource that limits all of us ... , too slow), but all I have to go on are my producers' complaints. What do I do?" Without procedures and job descriptions, there's no way, except in the most blatant examples, to know if the CSR is or is not performing. To conduct employee reviews fairly, agencies must have job descriptions and written procedures. Agency owners are often concerned about CSR job performance. After learning about their working conditions, especially the quality of the producers' work, I often find that the fault doesn't ... x No Thanks Loading.. x No Thanks Loading.. x No Thanks Loading.. x No Thanks Loading.. CompleteMarkets 1 2 3 4 5 Rating history (0 Reviews - 0 of 5.0) Shows who have rated the content, and the rating score. Write your review here. (Required) Please consider the following: 1. Would you recommend this company? 2. What about this company do you like/dislike? 3. Why did you choose this rating? Submit This Anonymously Submit Cancel Contact Us contact_phone Click ...

... help you. For example, "By the way, I've identified several members of your association as people we could probably help in much the same way that we helped you. Would you happen to know Joe Jones at Jones Electric, or Mark Short at ABC Electronics?" ASK WHY THEY'RE A GOOD PROSPECT After your source has given you the referral, ask them to tell you about them. They'll give you great info, and sell you on why the prospect should buy from you. MAKE IT EASY FOR PEOPLE TO ... to use telemarketing to solicit new prospects, you must also decide whether you're going to do this in-house or outsource it. If you do in-house telemarketing you'll need to staff, train, and manage that department. Very few small and midsize agencies have the capabilities of performing these tasks properly. If you outsource your telemarketing, it's important to select a reputable company that's familiar with insurance telemarketing. They should have the capability of not only contacting the prospect for x-dates, but also of providing you with a list of the prospects to ... x No Thanks Loading.. x No Thanks Loading.. x No Thanks Loading.. x No Thanks Loading.. CompleteMarkets 1 2 3 4 5 Rating history (0 Reviews - 0 of 5.0) Shows who have rated the content, and the rating score. Write your review here. (Required) Please consider the following: 1. Would you recommend this company? 2. What about this company do you like/dislike? 3. Why did you choose this rating? Submit This Anonymously Submit Cancel Contact Us contact_phone Click ...

... This is an essential benefit because clients are often reluctant to disclose everything at the beginning of a business relationship with an agent or investment broker. Banks offer a marketplace for customers to buy financial, investment, and insurance services. They will also offer the technology and electronic marketplace that's soon to come. Agents and investment advisors are equipped with the most important element: fire in the belly. Their careers have thrived on making things happen. They understand people and how to identify needs, match products to needs, and get the ... and finally by process. Banks are institutions. Bankers have matured in a system that's risk averse and structured, and which bases compensation on attendance. Agents and brokers are innovators and risk takers who are driven by opportunity, not structure, and are compensated for their performance. Banks are process followers and regulation readers. Agents and investment advisors are entrepreneurs. MERGING INTO THE FUTURE Tomorrow's markets will be driven by the buyer and served more by entrepreneurs than institutions. The new global economy will feature intense competition, a much more sophisticated ... x No Thanks Loading.. x No Thanks Loading.. x No Thanks Loading.. x No Thanks Loading.. CompleteMarkets 1 2 3 4 5 Rating history (0 Reviews - 0 of 5.0) Shows who have rated the content, and the rating score. Write your review here. (Required) Please consider the following: 1. Would you recommend this company? 2. What about this company do you like/dislike? 3. Why did you choose this rating? Submit This Anonymously Submit Cancel Contact Us contact_phone Click ...

... to happen to the CD-ROMs and the DVD-Rs that we're using to archive our precious data, such as our digital photos? Are they doomed? Will they become useless (except as coasters)? This is an issue that every agency should address as part of their electronic document management process. Here are some ideas to help you stay ahead of the storage curve: Avoid proprietary storage media Iomega's proprietary storage solutions offer one example of how dangerous they can be. Each new technology (Bernoulli, Jaz, Zip, Rev) has ... : Consider removable media simply as a convenience for transporting data, not a place to store your data over the long term. Hard disk storage is incredibly cheap, and it's getting cheaper. Online backup services are also a viable option. My personal data backup is performed automatically for me to a secure off-site storage facility from which I can retrieve the data at any time. The growth of broadband networks is making the act of transporting files (except movies, for now) by disk cumbersome at best. Storing important documents for ... x No Thanks Loading.. x No Thanks Loading.. x No Thanks Loading.. x No Thanks Loading.. The Harrison Group 1 2 3 4 5 Rating history (0 Reviews - 0 of 5.0) Shows who have rated the content, and the rating score. Write your review here. (Required) Please consider the following: 1. Would you recommend this company? 2. What about this company do you like/dislike? 3. Why did you choose this rating? Submit This Anonymously Submit Cancel Contact Us ...

... formulate a proposal to fit your circumstances. It can also prevent future misunderstandings and reduce the chances of needing to change bankers again. Your presentation should include requests for working capital or term loans, plus your needs for checking, savings, and investment services. If electronic or Internet banking is important to you, the ability of a bank to provide such services should be discussed before you make any changes. The strongest banking relationships will encompass all of these services, as well as add a good business advisor to your network. ... FINANCIAL INFORMATION Be prepared to present and explain the financial history of your agency. Prospective bankers will frequently request up to three years' historical financial statements and income tax returns, in addition to current-year interim financial statements. This information will summarize your agency's financial performance. You should also be ready to explain annual fluctuations in your revenues and expenses. Customer base, competitive insurance company rates, and changes within your sales staff may all affect your commissions revenue. Changes from agency-bill to direct-bill insurance contracts might affect your level of investment income ... x No Thanks Loading.. x No Thanks Loading.. x No Thanks Loading.. x No Thanks Loading.. CompleteMarkets 1 2 3 4 5 Rating history (0 Reviews - 0 of 5.0) Shows who have rated the content, and the rating score. Write your review here. (Required) Please consider the following: 1. Would you recommend this company? 2. What about this company do you like/dislike? 3. Why did you choose this rating? Submit This Anonymously Submit Cancel Contact Us contact_phone Click ...

... to happen to the CD-ROMs and the DVD-Rs that we're using to archive our precious data, such as our digital photos? Are they doomed? Will they become useless (except as coasters)? This is an issue that every agency should address as part of their electronic document management process. Here are some ideas to help you stay ahead of the storage curve: Avoid proprietary storage media Iomega's proprietary storage solutions offer one example of how dangerous they can be. Each new technology (Bernoulli, Jaz, Zip, Rev) has ... : Consider removable media simply as a convenience for transporting data, not a place to store your data over the long term. Hard disk storage is incredibly cheap, and it's getting cheaper. Online backup services are also a viable option. My personal data backup is performed automatically for me to a secure off-site storage facility from which I can retrieve the data at any time. The growth of broadband networks is making the act of transporting files (except movies, for now) by disk cumbersome at best. Storing important documents for ... x No Thanks Loading.. x No Thanks Loading.. x No Thanks Loading.. x No Thanks Loading.. ASE Insurance Services 1 2 3 4 5 Rating history (0 Reviews - 0 of 5.0) Shows who have rated the content, and the rating score. Write your review here. (Required) Please consider the following: 1. Would you recommend this company? 2. What about this company do you like/dislike? 3. Why did you choose this rating? Submit This Anonymously Submit Cancel Contact Us ...