https://completemarkets.com/Article/article-post/1629/MANAGING-RISK-A-GUIDE-FOR-YOUR-BUSINESS-CLIENT-PART-1-OF-4/
... labor problems to retain the necessary objectivity and financial skills. Purchasing Officer. In the past, the purchasing officer often had the responsibility of buying insurance. It's now more clearly understood that insurance is not a commodity to be purchased, but an element of a total risk-management program. Except in rare instances, the purchasing officer should have little or nothing to do with insurance or risk management. Chief Engineer. The chief of public works, chief engineer, or similar official may be responsible for maintaining building values and informing the risk manager of any changes-deletions or additions of properties and change in costs or values. This person will also frequently supervise the issuance of contracts to contractors. These contain insurance and indemnity provisions that should be carefully worded and supervised. The chief engineer may also design and maintain ... value of risk management will be much better appreciated. WHO DOES IT? One person should oversee all risk-management functions. Exceptions occur, and much depends on the particular entity and individuals. Since risk management calls for a wide range of different skills, a person with broad knowledge is more effective than a specialist. For entities without a full-time risk manager, duties are often as follows: Chief Administrative Officer (CAO) . The CAO, whether a city manager, county executive, district manager, mayor, governor, or whoever, is responsibile for seeing that the function is properly structured. In a small entity, he may do it himself. In a larger entity, he'll delegate the function to one of the following: Chief Financial Officer. The CFO, treasurer, director of finance ...
https://completemarkets.com/Article/article-post/916/PREPARING-FOR-AN-OSHA-INSPECTION/
... and Health Administration (OSHA) looking for, how to prepare, and an inspection checklist. If you will use this checklist to look for safety hazards in your workplace you might be able to prevent an accident. It is important to document improvements and cost savings that your safety and inspection program provide. While inspecting your site for safety hazards, don't forget to look at each operation and consider engineering changes that can improve workplace safety and reduce the risk of injury. Evaluate any use of hazardous materials for the possibility of substituting less hazardous materials. OSHA Inspections Federal OSHA reports only 24,000 inspections in 1996. This is almost 20% less than in 1995 and over 40% less than in 1994. Many union officials feel that this is a major threat to improved workplace safety and ... be aware that some of the inspectors are citing employers for use of disinfectants. Some inspectors say that hazard communication training is not adequate for employees exposed to pesticides, germicides, and insecticides. Some inspectors feel that the general training of employees on the safety and health hazards of their job is not as effective as establishing specific employee training requirements. OSHA Inspection Format To prepare for an inspection, compliance officers become familiar with the history of the establishment, the operations and processes in use, and the standards most likely to apply. They gather all equipment necessary to test for health and safety hazards. When OSHA inspectors arrive, they display official credentials and ask to see the employer. Employers should always insist upon seeing the compliance officer's credentials, which can be verified by the nearest OSHA office. ...
https://completemarkets.com/Article/article-post/1512/BASIC-FACTS-ABOUT-REGISTERING-A-TRADEMARK-PART-4/
... Libraries (317) 494-2873 Iowa Des Moines: State Library of Iowa (515) 281-4118 Kansas Wichita: Ablah Library, Wichita State U. (316) 689-3155 Kentucky Louisville Free Public Library (502) 574-1611 Louisiana Baton Rouge: Troy H. Middleton Library, Louisiana State University (504) 388-2570 Maine Orono: Raymond Fogler Library, U. of Maine Not yet operational Maryland College Park: Engineering and Physical Sciences Library, U. of Maryland (301) 405-9157 Massachusetts Amherst: Physical Sciences Library, U. of Mass. (413) 545-1370 Michigan Ann Arbor: Engineering Transportation Library, U. of Michigan (313) 764-5298 Big Rapids: Abigail S. Timme Library, Ferris State University (616) 592-3602 Detroit Public Library (313) 833-1450 Minnesota Minneapolis Public Library Commission ( ... x No Thanks Loading.. Basic Facts About Registering A Trademark, Part 4 4/30/2013 by CompleteMarkets Editor This content has not been rated yet. BASIC FACTS ABOUT REGISTERING A TRADEMARK Part 4 of 5 &# 160 PATENT AND TRADEMARK OFFICE SERVICES Trademark Assistance Center The Patent and Trademark Office was established to provide service to trademark applicants, registrants, and the general public. Many PTDLs have on file all full-text patents issued since 1790, trademarks published since 1872, and select collections of foreign patents. All PTDLs have the patent and trademark sections of the Official Gazette of the U.S. Patent and Trademark Office. The full-text utility and design patents are distributed numerically on 16-mm microfilm, and plant patents on color microfiche. Patent and trademark search systems are available on CD-ROM at all PTDLs ...
https://completemarkets.com/Article/article-post/11/Intranets-Your-Office-Efficiency-Tool/
... access information specific to your agency needs. User-Friendly Navigation. As with any Web site, an intranet allows you to create links between different documents, Web sites, or specific Web pages. This means that your staff can navigate through a large number of documents without having to know where the files are physically located on your network. As your system becomes more sophisticated, you can add user-friendly search engines to help your staff find the specific information that they're looking for quickly. Reduced Training. Because there are fewer software programs to learn, new employees will get up and running quicker. Everyone looks for information using the same tool (a Web browser), which reduces the amount of training and support needed. Low Cost. A basic intranet is a low-cost investment. A few people in ... x No Thanks Loading.. Intranets: Your Office Efficiency Tool 6/3 /2013 by CompleteMarkets Editor , Steve Anderson This content has not been rated yet. Use these guidelines to create an effective, user friendly online information exchange system. Every agency needs to distribute information to employees so that they can do their jobs effectively. Access to current and correct information is becoming more critical. As your agency grows and adds staff, the problem of keeping employees informed becomes increasingly complicated. In the past, a standard way to disseminate information to employees was to photocopy the information and put it into each person's in-box. One of the problems with this approach is that you can't find that one piece of information when you need it because it's buried in a stack of paper. One of the ...
https://completemarkets.com/Article/article-post/25/Diving-Into-Internet-Marketing/
... to talk to a person before they actually purchase a policy. The Internet represents a great untapped marketing opportunity for every agency. The skills necessary to take best advantage of this opportunity, however, are different and will require time and effort to learn how to maximize its use. There are many different ways to use the Internet as a marketing tool, including blogs, social networking, and search engine optimization (SEO) . Let's take a quick look at each. Blogs If you've been paying attention at all to the social Web, you've probably heard about blogs. A blog is simply an online journal. Here's how Wikipedia defines the term: A blog (a contraction of the term weblog') is a type of Web site, usually maintained by an individual with regular entries of ... Web site to make sure that your site is being optimized for search engine results. Conclusion The key to making the most of Internet marketing is to begin by creating a marketing strategy for your agency. Once you decide where you want to go, determine what tools are available to help you get there. We've described some of the tools that are available. Begin experimenting. Find someone in your office who has a passion for marketing and let them play. The sooner you begin utilizing these new tools, the more quickly you'll see your business grow. Steve Anderson is a licensed agent who heads The Anderson Network, Inc., which provides consulting services on how to maximize profits using common sense technology. He can be reached at American Insurance Consultants, PO Box 42, Franklin, TN, ...
https://completemarkets.com/Article/article-post/227/Emerging-E-O-Loss-Exposures/
...as doctors, lawyers, architects, engineers, and CPAs, have much more rigorous ... many home-based businesses and home offices now, agents must include e-commer...
https://completemarkets.com/Article/article-post/1515/Ethylene-Oxide-Standards/
... standard include: A limit on workplace exposure of one part EtO per million parts air (1 ppm) averaged over an eight-hour day. An excursion limit of five parts EtO per million parts of air (5 ppm) averaged over a sampling period of 15 minutes. Employee rotation is prohibited as a means of compliance with the excursion limit. Where the excursion limit is exceeded employers must: Use engineering controls and work practices to reduce exposure. These controls and practices may be supplemented by the use of respirators where necessary. Establish and implement a written compliance program to achieve the excursion limit. Establish exposure monitoring and training programs for employees subjected to EtO exposure above the excursion limit. Identify as a regulated area any location where airborne concentrations of EtO is expected to exceed the excursion limit. Place ... , and sampling and analytical methods. Applicability. The standard generally applies to all occupational exposures to EtO. However, workplaces in which the processing, use or handling of products containing EtO cannot result in airborne concentration at or above the action level are excluded. An employer who claims exemption from the standard must keep records that document this determination. Copies of the standard are available from any OSHA regional office, listed under U.S. Labor Department' in phone directories for Boston, New York, Philadelphia, Atlanta, Chicago, Kansas City, Dallas, Denver, San Francisco, and Seattle. This is one of a series of fact sheets highlighting U.S. Department of Labor programs. It is intended as a general description only and does not carry the force of legal opinion. Login or Register ...
https://completemarkets.com/Article/article-post/1520/GENERAL-OSHA-RECORDKEEPING-REQUIREMENTS/
... 67 Holding and other Investment Offices Services 72 Personal Services ...
https://completemarkets.com/Article/article-post/1643/PERSONAL-PROTECTIVE-EQUIPMENT/
... , exposure will occur. OSHA standards require employers to furnish and require employees to use suitable protective equipment where there is a reasonable probability' that injury can be prevented by such equipment. The standards also set provisions for specific equipment. While use of personal protective equipment is important, it is only a supplementary form of protection, necessary when not all hazards have been controlled through other means such as engineering controls. Engineering controls are especially important in hearing and respiratory protection, and specific standards call for employers to take all feasible steps to control the hazards. EYE PROTECTION IN THE WORKPLACE Every day, an estimated 1,000 eye injuries occur in American workplaces. The financial cost of these injuries is enormous-more than $300 million per year in lost production time, medical expenses, and Workers' ... fitted by a professional. Waxed cotton, foam, or Fiberglas wool earplugs are self-forming. Disposable earplugs should be used once and thrown away; non-disposable ones should be cleaned after each use or they'll become what scientists call very yucky. The Occupational Safety and Health Administration (OSHA) has promulgated a final rule on requirements for a hearing conservation program. Information on the program is available from the closest OSHA office. ARM AND HAND PROTECTION Burns, cuts, electrical shock, amputation, and absorption of chemicals are not fun. They are also examples of hazards associated with arm and hand injuries. A wide assortment of gloves, hand pads, sleeves, and wristlets is available for protection from these hazards. The devices should be selected to fit the specific task. Rubber is considered the best material for ...
https://completemarkets.com/Article/article-post/1630/MANAGING-RISK-A-GUIDE-FOR-YOUR-BUSINESS-CLIENT-PART-2-OF-4/
... their relative importance. Interviews Discussions are necessary with all who have activities relating to risk. This may include: The chief administrative officer, for an overview of the activities and a clear view of what's most important The chief financial officer, for details on cash flow, reserves, location of money or securities, and extent to which loss might be assumed without financial pain For large firms, the engineer or public works director, for data on physical values, construction projects, construction contracts, and loss-prevention projects (design and maintenance) The accountant, for information on cost allocations and more financial detail Legal representatives, for information on contracts (hold harmless provisions and insurance requirements) as well as background on claims status and administration Personnel representatives, for labor aspects (a union contract may have a ... How Is Policy Prepared? The risk manager normally prepares the first draft, after consulting with all parties involved, because he or she is the one most intimately acquainted with the details. The risk manager then submits it to principal administrators, who may recommend changes or additions. When all persons concerned have given it their full consideration and approval, it's ready for promulgation by the board or chief executive officer. IDENTIFYING RISK The first step in risk management is to know what your risks are. Obvious as that may sound, it's not at all easy to put into practice. The first step is to assign responsibility. Someone must be identified as the risk manager in addition to his or her normal title. In carrying out the function, a risk manager without much experience will need outside assistance-possibly ...