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... cost-benefit analysis can follow identification of the charges and credits in the rating schedule. This should be performed periodically. Breadth of Coverage When planning insurance, the most important points are complete coverage and adequate limits. Complete coverage gives the most trouble. With Property insurance, the goal is to have all-risk protection rather than named perils' coverage. The latter covers such perils as fire, windstorm, and explosion, and can create a false sense of security because it covers most recognized perils. However, insurance is meant to protect against catastrophes however they may arise, and old-timers in the business can recall any number of strange events that caused large losses. For instance, are you protected against damage from flowing molasses after a huge storage tank ruptures? This type of loss has occurred, causing tremendous ... is the generally accepted sequence of risk management activities: The risk of loss is identified and measured. It's reduced as much as feasible by loss-prevention techniques. The loss is accepted as a budgeted cost to the extent that it can be fitted in to the financial picture. As a last resort, the losses that can't otherwise be treated are transferred. Insurance is the usual means. Insurance is so important as a risk-management tool and its cost so visible that other aspects have received relatively little attention. Nevertheless, they all tie together into the overall risk-management picture. Risk Identification It almost goes without saying that risks must be identified before they can be treated. This is one of the measures of a good risk manager. Here are just some risks that occasionally elude the public agency risk manager: ...

... , Marcus Covas This content has not been rated yet. These hiring guidelines can help protect your business against the "growth industry" of employment-related litigation. Today, every business faces not only the traditional challenges of competition and rapidly changing technology, but a relatively new category of potential adversary — workers hitting them with employment-related claims. Not-for-profit corporations, public entities, and private businesses alike are experiencing an explosion of litigation alleging: Discrimination Sexual Harassment Wrongful discharge Wage and hour disputes Negligent hiring, retention, and supervision Failure to provide benefits Violations of federal and state leave-of-absence laws Whether companies win or lose such suits, they'll divert time, money, and energy from growing sales and earnings. In one Southern California lawsuit, an openly gay grocery store night manager claimed he was wrongfully terminated because of upper ... relatives with similar traits. Laid-off workers are often experienced, hard working, and grateful for a new opportunity. A staffing firm that screens candidates can be a valuable source for temporary or permanent workers. Cities and local communities may be potential recruiting sources through their workforce and economic development efforts. The Internet has become an increasingly valuable resource for recruiting skilled workers. DETAILED EMPLOYMENT APPLICATIONS One of the most important hiring tools is a careful review of the applicant's background. It's important to use an application with detailed questions. Also, be sure to: Require candidates to answer all questions completely. An applicant who leaves blanks usually has information they don't want to disclose. Ask an applicant why they wrote see resume' on the employment background section of the application. Were they trying to avoid answering any ...

... frighten the civilian population. Implementing these recommendations might thwart such an attack … or at least reduce loss of life, injuries, and damage. In closing, I extend my heart and prayers to all the victims of the catastrophe, their families, and the heroic rescue workers. WEAPONS OF MASS DESTRUCTION Definition A Weapon of Mass Destruction (WMD includes biological, chemical, nuclear or highly explosive material, or any combination of these perils. Initial Action Steps Notify the proper authorities. Call 911 to dispatch police/bomb-squad and fire/hazmat personnel Contact the FBI Get in touch with the local/regional Office of Emergency Management Contact the local Health Department In most cases, authorities will set up an Incident Command Center upwind of the hazard. Avoid contamination. At the point of release ... Now that air carriers have become terrorist targets, this rule should be strictly enforced. Take special precautions in selecting meeting locations where large groups of managers are to attend. Also be especially cautious about participating in meetings that include large groups of key government officials, business executives, scientists, and so forth. Disaster Planning Your normal Business Continuity/Disaster Recovery Plan remains invaluable; in fact it's more important than ever. The plan must include such precautions as securing vital records, the creation of an Emergency Response Team (ERT), setting alternate meeting locations for the ERT, drawing up offsite employee contact lists and procedures, and implementing security controls. Testing Now that human lives have become deliberate targets of terrorists, testing your plan is more important than ever. Focus on exercising' everyone's ability ...

... This content has not been rated yet. DISASTER PLANNING by Bill Grieb Disasters and emergencies can involve a single worker (for example, a heart attack on the job), several workers, or a complete plant or site. Disasters or emergencies can be caused by internal or external factors or natural disasters. Internal causes include: Medical emergency Plant malfunction, collapse, or failure Fire and/or explosion Material spills and leaks Equipment malfunction or misuse Violence or sabotage External factors include: Spills and leaks Transportation accidents Toxic release Fire and explosion Assaults and insurrection Utility malfunction (Electricity, gas, water) Natural disasters include: Fire Flood Earthquake Violence: Among the criminal activities that threaten your workplace safety and health are bomb threats, robbery, assault, hostage situations, and kidnapping. Each organization should ... Any disaster that causes danger to the public-either real or perceived- must be handled effectively. It may be a spill of hazardous materials or a malfunction of manufacturing equipment. Safety measures might even include the recall of contaminated food products. The public must be informed, reassured, and kept abreast of any actions being taken. The penalties for not doing so can be severe. BACK UP It is important to back up irreplaceable records-important documents, customer lists, accounting records, and so forth-at a separate site so they have a better possibility of being spared in the event of a disaster. In the face of disasters that affect a whole region at once, a business should consider storing additional backup in a completely different region; for instance, a west-coast business planning for earthquakes might store duplicate copies ...

... when the MSDS was prepared. 2. Hazards Ingredients/Identity-This section defines the chemicals by common names. Any safe exposure limits that have been defined are given. These include permissible exposure limit and threshold limit value. 3. Physical Chemical Characteristics-this may include boiling point, melting point, vapor pressure, vapor density, evaporation rate, solubility in water, and specific gravity. 4. Fire and Explosion Hazards-This includes flash point, flammable limits, and lower and upper explosive limits. It also defines what type of fire-fighting procedures are appropriate. 5. Reactivity-This includes information on stable vs. unstable, incompatibilities, hazardous decomposition, and polymerization by-products. 6. Health Hazard-This includes hazards from inhaling, ingestion, contact through the skin, etc. It explains whether the effects are acute, chronic, ... hazardous chemicals are present Location and availability of the written program and MSDSs How to use and interpret MSDSs Methods to detect presence of hazardous materials Physical hazards Health hazards Protective measures, including: Work practices Emergency procedures Protective equipment Identifying hazardous chemicals in the workplace UNDERSTANDING AN MSDS (Material Safety Data Sheet) When you look at an MSDS, you will see that it has eight basic sections. It is important to understand each one. These sections are: 1. Chemical Identity-This section defines the manufacturer and how they can be reached. It usually states when the MSDS was prepared. 2. Hazards Ingredients/Identity-This section defines the chemicals by common names. Any safe exposure limits that have been defined are given. These include permissible exposure limit and threshold limit value. 3. Physical Chemical Characteristics-this may ...

... identification effort 4. Correction and documentation 5. Training for employees and supervisors 6. Reduction of illness and injury The Maine 200 approach has proved cost effective in reducing workplace injury and illness. The program is being expanded by OSHA. Fire Causes The main hazards that result in fire are: Smoking Electrical Poor Housekeeping Grease (cooking, industrial, etc.) Spontaneous combustion Friction-for example, overheating bearings Explosion of vapors, dust, atomized liquids or gases Chemical reactions Fire requires three things: fuel, heat, and oxygen. Removal of any of these will prevent or stop a fire. There are five steps in fire prevention and protection: engineering; planning; training; inspection; and follow-up. ENGINEERING The first step in fire prevention is to engineer the site for fire prevention and protection. ... x No Thanks Loading.. Workplace Fire Safety 4/30/2013 by CompleteMarkets Editor , Bill Grieb This content has not been rated yet. WORKPLACE FIRE SAFETY by Bill Grieb Fire safety is important business. National Fire Prevention Week in October focuses on the importance of fire safety in the home, in schools, and at work. But fire safety in the workplace is the principal focus of the Occupational Safety and Health Administration (OSHA)- and saving lives and preventing injuries due to fire is a key concern. According to National Safety Council figures, losses due to workplace fires exceed $3 billion. Workplace fires result in an estimated 360 deaths every year. There is a long and tragic history of workplace fires in this country. One of the most notable was the 1911 fire ...

... to deactivate your CompleteMarkets Company Profile Deactivate Cancel Loading.. About Us Services Jobs PR Newsletters Employees Articles Blog Photos Group Connections Reviews Member Content Member Content - Content Package Categories Popular Recent All Back Are You Ready for Insurance Dot Com?10/26/2018 12:00:00 AM by CompleteMarkets Editor , Edward Curry This content has not been rated yet. The insurance agency system is experiencing an explosion of new ideas and techniques as well as a changing insurance environment. Agencies must look for new ways to take advantage of the new market forces sweeping through the industry and society. One of the most important opportunity areas is the Internet. The potential for Internet growth is enormous. Unfortunately, many in the industry are fearful and confused about the Internet. Someone who wasn't is Gordon Harden, ... agent in Ownings Mills, MD. Gordon is a leading expert on Internet insurance marketing. He realized early on that computers would play an increasingly powerful part in day-to-day agency operations. He saw the need to change his agency's direction in response to the shift in the way customers do business with agents and insurance companies. The old marketing methods-door-to-door canvassing, direct mail, and telemarketing-just weren't working as well as before. The more Gordon used the Internet, the more certain he became that this was where he'd find the prospects to make his agency grow. He seriously researched the Internet, hardware, and software-and the ways these technologies could be used together to operate his agency. He found the Internet to be a great icebreaker with hard-to-reach prospects. Once he establishes contact, most prospects and customers he ...

... to deactivate your CompleteMarkets Company Profile Deactivate Cancel Loading.. About Us Services Jobs PR Newsletters Employees Articles Blog Photos Group Connections Reviews Member Content Member Content - Content Package Categories Popular Recent All Back Are You Ready for Insurance Dot Com?10/26/2018 12:00:00 AM by CompleteMarkets Editor , Edward Curry This content has not been rated yet. The insurance agency system is experiencing an explosion of new ideas and techniques as well as a changing insurance environment. Agencies must look for new ways to take advantage of the new market forces sweeping through the industry and society. One of the most important opportunity areas is the Internet. The potential for Internet growth is enormous. Unfortunately, many in the industry are fearful and confused about the Internet. Someone who wasn't is Gordon Harden, ... agent in Ownings Mills, MD. Gordon is a leading expert on Internet insurance marketing. He realized early on that computers would play an increasingly powerful part in day-to-day agency operations. He saw the need to change his agency's direction in response to the shift in the way customers do business with agents and insurance companies. The old marketing methods-door-to-door canvassing, direct mail, and telemarketing-just weren't working as well as before. The more Gordon used the Internet, the more certain he became that this was where he'd find the prospects to make his agency grow. He seriously researched the Internet, hardware, and software-and the ways these technologies could be used together to operate his agency. He found the Internet to be a great icebreaker with hard-to-reach prospects. Once he establishes contact, most prospects and customers he ...

... to deactivate your CompleteMarkets Company Profile Deactivate Cancel Loading.. About Us Services Jobs PR Newsletters Employees Articles Blog Photos Group Connections Reviews Member Content Member Content - Content Package Categories Popular Recent All Back Are You Ready for Insurance Dot Com?10/26/2018 12:00:00 AM by CompleteMarkets Editor , Edward Curry This content has not been rated yet. The insurance agency system is experiencing an explosion of new ideas and techniques as well as a changing insurance environment. Agencies must look for new ways to take advantage of the new market forces sweeping through the industry and society. One of the most important opportunity areas is the Internet. The potential for Internet growth is enormous. Unfortunately, many in the industry are fearful and confused about the Internet. Someone who wasn't is Gordon Harden, ... agent in Ownings Mills, MD. Gordon is a leading expert on Internet insurance marketing. He realized early on that computers would play an increasingly powerful part in day-to-day agency operations. He saw the need to change his agency's direction in response to the shift in the way customers do business with agents and insurance companies. The old marketing methods-door-to-door canvassing, direct mail, and telemarketing-just weren't working as well as before. The more Gordon used the Internet, the more certain he became that this was where he'd find the prospects to make his agency grow. He seriously researched the Internet, hardware, and software-and the ways these technologies could be used together to operate his agency. He found the Internet to be a great icebreaker with hard-to-reach prospects. Once he establishes contact, most prospects and customers he ...

... to deactivate your CompleteMarkets Company Profile Deactivate Cancel Loading.. About Us Services Jobs PR Newsletters Employees Articles Blog Photos Group Connections Reviews Member Content Member Content - Content Package Categories Popular Recent All Back Are You Ready for Insurance Dot Com?10/26/2018 12:00:00 AM by CompleteMarkets Editor , Edward Curry This content has not been rated yet. The insurance agency system is experiencing an explosion of new ideas and techniques as well as a changing insurance environment. Agencies must look for new ways to take advantage of the new market forces sweeping through the industry and society. One of the most important opportunity areas is the Internet. The potential for Internet growth is enormous. Unfortunately, many in the industry are fearful and confused about the Internet. Someone who wasn't is Gordon Harden, ... agent in Ownings Mills, MD. Gordon is a leading expert on Internet insurance marketing. He realized early on that computers would play an increasingly powerful part in day-to-day agency operations. He saw the need to change his agency's direction in response to the shift in the way customers do business with agents and insurance companies. The old marketing methods-door-to-door canvassing, direct mail, and telemarketing-just weren't working as well as before. The more Gordon used the Internet, the more certain he became that this was where he'd find the prospects to make his agency grow. He seriously researched the Internet, hardware, and software-and the ways these technologies could be used together to operate his agency. He found the Internet to be a great icebreaker with hard-to-reach prospects. Once he establishes contact, most prospects and customers he ...