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/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/1623/INDOOR-AIR-QUALITY-AND-HOW-TO-IMPROVE-IT/
...frigerating and Air-conditioning Engineers (ASHRAE) in its 62-1989 standard re...CFM) of outdoor air per occupant for offices. For smoking lounges, up to 60 CF...
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/90/Spreadsheet-Business-Equation/
... x No Thanks Loading.. Spreadsheet Business Equation 4/30/2013 by CompleteMarkets Editor , Virginia Bates 1 Verified Reviews - 5 of 5.0 1 2 3 4 5 If there are two phrases that turn agency principals off, they are probably work process engineering' and business planning. The former connotes laying people off, inherent criticism of previous business decisions, and expensive computer equipment. The latter sounds like Mom's advice to eat your veggies- it's dull and will take forever because it's no fun. You're never sure it'll have any positive effect. (Some of us ate tons of carrots and we're still wearing strong lenses. Would we really have been blind without those carrots? Who knows?) But avoiding the above-mentioned terms is a little difficult in a consultant's line of work. The circumlocutions ... and feeding' than others. Do they drain more from you than more cooperative, empathetic carriers?+ Technology. Its cost had better be outweighed by its monetary benefit.+ Current staff salaries. Includes payroll taxes, benefits, etc. Don't forget effects of upcoming retirements of owners and staff.+ New talent. Technology skills, sales skills, client industry expertise might not exist in your office today. Should it?+ Outside skills. Not all expertise has to be full-time. For instance, why have a full-time Novell Certified Engineer when two hours a week and a three-hour emergency every quarter is your real need?+ Motivation (monetary and interpersonal) . This includes monetary outlays as well as the time and personal attention that managers devote to staff motivation.+ Physical plant. ...
https://completemarkets.com/Article/article-post/2574/Sample-Presentation-Package/
... your need, not the carrier's convenience. Risk Management Insurance is only one way to handle risk. We strive to be creative in advising our clients of ways to handle any risk, whether by avoiding, shifting, or insuring. Part of our job is to assist the Risk Management Department for each of our clients. We inspect many of our clients' locations annually and work with the company engineering departments to make sure that all available loss prevention efforts are brought to bear on our client's behalf. The frequency of client meetings depends largely on engineering reports from companies, our inspections, and the Claims Department's advice about current loss frequency. Contract and Lease Analysis Many clients routinely sign lease agreements and enter into contracts without considering the impact on their insurance coverages. XXX & Company urges its clients ... EXPOSURE TO LOSS Frequently, leases and other contracts create large exposures because of the responsibilities they place upon you. Some of those responsibilities may be readily apparent to you and others may not. We carefully review your leases and other contracts to determine whether you should assume a particular exposure, and if you must assume it, how best to handle it. REGULARLY SCHEDULED MEETINGS The key people at our office and your office will meet on a regularly scheduled basis to review your plans and needs. PERSONAL INSURANCE DEPARTMENT This department of our agency offers clients cost-effective and well-designed personal auto, homeowners, boat, valuable items, and other types of personal policies. FINANCIAL SERVICES DEPARTMENT This department offers a full range of financial planning services, including life, health and disability insurance, assistance in the design of ...
https://completemarkets.com/Article/article-post/2294/Producer-Success-Lesson-19-The-Value-Added-Is-You/
... just as computers are today. Cunnard Lines operated more luxury liners than any steamship company, and the only man trusted to fix the really tough problems on Cunnard vessels was known as the Plumber. So when a Cunnard ship was stranded in New York Harbor with a boiler problem, the Plumber was brought in. After spending no more than five minutes examining the maze of pipes and valves in the engine room, the Plumber called for a hammer. He lightly tapped three times on a tiny yellow valve deep in the heart of the enormous engine room. As if on cue, the mighty vessel's boilers roared to life! Two days later, Cunnard's president received a bill for $1 ,000 (the equivalent of about $15,000 at the end of the 20th century) . ... communicate with clients, uncovering pain and adapting solutions. Expertise There are many facets to professional expertise, including market knowledge, competitive knowledge, product knowledge, and technical knowledge, and they all fit together. Market Knowledge You've finally made it to the big interview. You've worked with the Commercial producer and the Risk Manager, and now it's show time. You settle into a chair in the executive's office, and the first thing they ask is how the budget bill the Senate passed Monday will affect the taxability of money they receive for claims. You've never heard of this provision in the law. What do you do? Paying attention to such changes is part of being a professional. It's one of the many ways you bring more value to the relationship than your competition. The good thing ...
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/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 ...