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... VI. Commercial Property VII. Equipment Floater VIII. Installation Floate...lue, especially compared to what an equipment breakdown could cost you. I'll call shor...

...ckup of sewers and drains or for equipment breakdown on appliances and electronics. Chec...

... guarantee the return of the old equipment. Now here comes the “rub.” The cost...built the packages I wanted and the equipment I needed. They then provided a line-item breakdown of the specific costs, new custo...

... not been rated yet. Pain involving the eyes, neck, back, shoulders, arms, and wrists have become common complaints of computer workstation users. My review of the latest research led me to conclude that these users experience no more stress than users of other technology unless they perform fragmented, repetitive tasks. Other factors causing stress include noise, dust, extreme temperatures, electromagnetic radiation, unsafe equipment, poorly maintained equipment, and workplace violence. Studies do, however, show increased cardiovascular arousal caused by such computer-associated anxieties as network breakdowns or the anticipation of them, interruptions, software bugs, and slow response times. Computer users with visual disorders must usually cope with intense monitor glare, improper lighting, poor display quality, and long, involved visual tasks. Carpal tunnel disorders (CTDs ... of the upper extremities or repetitive stress injuries (RSIs), such as carpal tunnel syndrome (CTS) and tenosynovitis, appear most frequently in situations identified by stress, repetitive motion, and the poor constrained static postures of sedentary workers. National Institute for Occupational Safety and Health (NIOSH) defines work-related CTS injuries in job tasks involving various biochemical stresses or frequent repetitive hand movements. CTS injuries are often rooted in pushing motions, tool-grasping, awkward poses held for excessive periods, vibrating tools, or prolonged pressure on the base of palms. Studies have shown that computer workers who are denied adequate rest breaks might shrink in their spinal disk height. The combination of poor, static posture and psychosocial stress could increase muscle tension and fatigue at the workstation. Several studies have shown fewer problems in secretaries ...

...eements? 23. What staff and equipment do you plan/wish to bring to the cl...

...lectromagnetic radiation, unsafe equipment, poorly maintained equipment, and workplace violence. Studies do...ter-associated anxieties as network breakdowns or the anticipation of them, in...

...Boiler And Machinery coverage or Equipment Breakdown protection. Claims in this area can...

...t Practices Liability Insurance, Equipment Breakdown, Business Income, Workers Compensat...

... trouble with loss ratios or are currently having problems, you should make a special effort to address the problems in a separate narrative. Item No. 12: Is your agency automated? If so, what brand of hardware do you use? Insurance companies have done a poor job with respect to automation, for the most part. Many of the systems that have been developed utilize IBM or IBM-compatible equipment. Is your equipment compatible with what your carrier uses? The next area: Is the hardware you have adequate for your needs? Is it of sufficient capacity and quality to handle your book of business and all of the related support functions? Many system vendors have integrated single-key-entry systems that permit activities critical to an agency's well-being. Having one consolidated database in your system will allow you to access ... companies and formulate a contract with them, they will want to know that your agency the size they want and is in a growth mode. If you do not meet their size requirement (cannot commit to a volume sufficient for them), you may still be able to interest them with a very specific marketing plan that shows measurable success. Later, when you get into carrier volume, business breakdown, and loss ratios, you can be more specific. Item No. 2: The next item question deals with the agency's mix of business by line of insurance, and is expressed as a percentage of the total written premium. This is significant because the mix tells a lot about the agency and the type of business you write. For example, Personal Auto insurance constituted about 38.0% ...

... 19. How many years have you been using a formal written business plan and have you generally met the objectives you have set for your agency? 20. Comments: 21. Are there any major capital financing obligations? If so, please list and describe: With Original Amount Monthly Whom Amount Owed Payment 22. Are there any unusual or outstanding contracts or agreements? 23. What staff and equipment do you plan/wish to bring to the cluster with you? 24. Do you have any past (within the past 12 months) receivable or company payable problems? If so, please describe: Please attach copies of your most recent balance sheet and profit and loss statement. If you do not have either or both, kindly advise and we will send you a form to use ... % Commercial Lines ___% ___% Life/Health ___% ___% 4. Total Number of: Personal Lines Accounts ____ Personal Lines Policies ____ Commercial Lines Accounts ____ Commercial Lines Policies ____ Life/Health Accounts ____ Life/Health Policies ____ 5. Commercial Accounts - Five Largest - Written Premium ____ ____ ____ ____ ____ 6. Staff Breakdown - Total Number Personal Lines Customer Service Representative or Underwriter ____ Personal Lines Support Clerk ____ Commercial Lines Customer Service Representative or Underwriter ____ Commercial Placer ____ Commercial Support Clerk ____ Life/Health Customer Service Representative or Underwriter ____ Receptionist - Secretary ____ Accounting or Billing Clerk ____ Outside Sales Personnel ____ 1. Principals Principal Principal Principal Time Breakdown (1 ) ( ...