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...olic, went out for two shots and a glass of beer on the day of his injury. Lat...ontracts, and deals with employer's liability and other tort liability claims involving workers.

... Plate Glass ... Fire Legal Liability ...

... estimate, and settle a clean auto glass claim before a person ever opens the ... between a defensible program and a liability. Building the Skill Mix, Not ...

...__% _____________% Crime/Fidelity/Glass _____________% _____________% _______...

..._____% Crime/Fidelity/Glass _____________% _____________% _______...

...quipment, including: Safety glasses, goggles, or face shields for eye p...

...o her car. She placed a magnifying glass on the leather seat of her car and le...a claim isn’t paid even though '... liability has become reasonably clear.' Al...

... 2 3 4 5 Use this checklist by Jack Fries to see which Commercial Lines coverages your clients have, those that they need, and those that you write. The undersigned insured acknowledges that the undersigned agent has thoroughly explained all of the insurance coverages recommended below. We Write Does Not Need Insured Elsewhere Recommended Buildings Basic Broad Special Earthquake Flood Water Damage Replacement Cost Inc Cost of Construction Demolition Signs Plate Glass Loss to Business Personal Property Basic Broad Special Earthquake Flood Water Damage Replacement Cost Improvements/Betterments Loss to Business Personal Property Auto Physical Damage Aircraft Physical Damage Marine Hull Transportation Floater Equipment Floater Salesman Samples Installation Floater Processing Floater Computer Loss Of Income Business Income Extra Expense Accounts Receivable Valuable Papers Boiler & Machinery Loss Boiler & Machinery Business Income (use & occupancy) Liability Workers Compensation Commercial General Liability ... & Completed Operations Independent Contractors Contractual - specific Contractual - blanket Broad Form Property Damage Personal Injury Fire Legal Liability Premises Medical Employees as Additional Insureds Aircraft Watercraft Owned Autos Leased or Hired Autos Employers Non-ownership Drive Other Car Auto Medical Payments Login or Register (for FREE) to gain access to thousands of other great articles. Need more reasons to join? Need insurance for you, your business or your family? Get quality appointments - Save yourself a whole lot of time & money when you use our directory of carriers, wholesalers and service providers. Negotiate lucrative contracts with carriers and wholesalers. Net result. More revenue for your agency! Clients & Prospects will research you, your co-workers and your agency here. The most comprehensive online insurance industry reference library for - Personal Lines Professionals Commercial Lines ...

... _ 1. Previous Year Current Year Forecast Written Premium $ _____ $ _____ $ _____ Gross Commission $ _____ $ _____ $ _____ 2. Estimated Agency Mix of Business - Property & Casualty Lines Previous Year Current Year Forecast Fire & Allied ___% ___% ___% Marine ___% ___% ___% General Liability ___% ___% ___% Crime/Fidelity/Glass ___% ___% ___% SMP & BOP ___% ___% ___% Commercial Auto ___% ___% ___% Workers Comp ___% ___% ___% Personal Auto ___% ___% ___% Homeowners ___% ___% ___% All Other Lines ___% ___% ___% Total 100.0 % 100.0 % 100.0 % 3. Estimated Agency Loss Ratio Previous Year Current Year Personal Lines ... find it worthwhile. AGENCY / CLUSTER PROFILE Name: ____ 1. Previous Year Current Year Forecast Written Premium $ _____ $ _____ $ _____ Gross Commission $ _____ $ _____ $ _____ 2. Estimated Agency Mix of Business - Property & Casualty Lines Previous Year Current Year Forecast Fire & Allied ___% ___% ___% Marine ___% ___% ___% General Liability ___% ___% ___% Crime/Fidelity/Glass ___% ___% ___% SMP & BOP ___% ___% ___% Commercial Auto ___% ___% ___% Workers Comp ___% ___% ___% Personal Auto ___% ___% ___% Homeowners ___% ___% ___% All Other Lines ___% ___% ___% Total 100.0 % 100.0 % 100.0 % 3 ...

... , and so forth from your system, this should be a relatively easy area to control. If you are not automated, you need to look into this critical area and address the need in your planning. It may be crucial to your survival. Suggested categories should include, but not be limited to, the following: Fire, Allied, and Marine Crime, Fidelity, Surety, and Glass General Liability Commercial Package/Businessowners Commercial Auto Workers Compensation Other Commercial Lines Personal Auto Homeowners Other Personal Lines Item No. 3: You need to provide your overall agency loss ratio. A good way of doing this is to break it down between Personal and Commercial lines. This may be a bit more difficult for some agencies, since most production documents from carriers are not forwarded in a timely ... . Although you may track this information in your own automation system, you will probably rely for the most part on company statistics. Whatever information you can develop and provide in this area will be helpful and very important. If you are properly automated, you should be able to track claim and loss-history data by carrier, account, and producer. To track this information, give it some planning and follow-up time, because the benefits can be great. Your contingency or profit-sharing, relationships with your carriers-identifying potential reserving problems with carriers, making your carriers' claim processing accountable, identifying problem clients and possible future problems, etc. can be affected favorably. Item No. 4: Know and be able to communicate the total number of accounts/policies in your agency. This information should be broken ...