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...s generally are technical and very hard to present to a jury. To look objectively at ethics and E&O, a good starting place might be to define 'ethics.' According to the New Webster's Dictionary of the English Language, ethics 'pertain[s] to morals or the principles of morality; pertaining to right or wrong in conduct; in accordanc...aims. It will also reduce the severity and impact of the claims that do occur.

... on everyone. We have to keep growing! We can't afford to hire additional staff! We need to increase our bottom line if we want to survive. Start thinking about treating your employees even better than you would want to be treated! Good customer service representatives are hard to find. Few are licensed. Employers are recruiting CSRs from nearby agencies, and the best offer wins! How can your agency attract and retain the best talent? Risk being different. Think about what's most important to prospective employees. Believe me, it's ... work. Family and health come first, so consider offering additional time off. Boost office morale and productivity by establishing uninterrupted quiet time. Offer special benefits that other agencies don't. Establish a reputation as a great place to work. Some agency principals are in a state of denial. (I hope you know who you are.) They won't even admit that their employees are less than content. And the employees are just too afraid to admit their feelings to the management. Check it out for yourself. EXTRA TIME OFF ... time off program, uninterrupted time, and special benefits. Keep your employees happy, and everything else will fall into place - increased business, increased efficiency, and increased revenue! Grace Bauer helps insurance agencies put together customized procedural manuals to secure consistency, protect against errors and omissions, attain security, and increase efficiency. She can be reached at The Grace Bauer Group, P.O. Box 08121, Fort Myers, FL 33908, (800) 896-4226, fax (941) 489-1525, e-mail [email protected] . Login ...

...ot be a usable tool, no matter how hard you try to enforce its use. Advantages Eac...t" cards in place of a file you remove to indicate where it is.

... LIG Marine Manager.. Details LIG Marine Managers These articles are designed to help agents navigate the complexity of Marine Workers Compensation and Commercial Marine Insurance. USG Insurance Serv.. Details USG Insurance Services, Inc.USG Insurance Services, Inc. specializes in providing innovative solutions for hard to place commercial insurance. We are a national wholesale broker and managing general agent (MGA) with 17 offices across the country. We represent a variety of A rated carriers, both admitted and non-admitted. We are an MGA for 16 carriers and work with ... 260 different brokerage markets. We write business in all states except for Hawaii. NIF Group Inc. Details NIF Group Inc.NIF Group Inc. Articles PRS High Hazard/Hi.. Details PRS High Hazard/High Risk Workers' Compensation PRS High Hazard/High Risk Workers' Compensation Business Insurance Details Business Insurance Articles related to business insurance including commercial liability, professional liability, errors & omissions, business auto, commercial umbrella, workers compensation and other insurance information that could be helpful to business owners, manager and operators. Insurance ... Indi.. Details Insurance for Individuals and Families Articles related to personal insurance such as – personal auto insurance, life insurance, health insurance, boat/RV/motorcycle insurance, personal umbrella insurance and other information that could be helpful to individuals and families. Personal Finance Details Personal Finance Articles pertaining to managing money, personal investing, personal finance, investment advice, interpretations of tax laws, college investing etc. Search Articles/Libraries Select a Category All Benefits & Financial Services Commercial Lines Insurance Careers Communications Customer Service Financial/Accounting General ...

...stomer service representatives are hard to find. Few are licensed. Employers a...happy, and everything else will fall into place - increased business, increased efficiency, and increased revenue!

... life of the agency. 'We worked so hard to get the account in the first place. Let...hecklist. And, always keep everyone up-to-date on the status through weekly or...

...p her companies happy. Paula works hard at renewals, improving coverages, and ...an do right by her companies, clients, and agency.

... should be able to rely on an agent's expertise. Kelvin can't imagine ever being sued, since he does such a comprehensive job. Paula Perfect, CIC is an average agent writing average accounts. She tries to target market to keep her companies happy. Paula works hard at renewals, improving coverages, and shaving prices. She'll never write as much new business as Fast Phil, but Paula makes up for it in retention. She lacks the technical expertise of Kelvin, but her clients trust her; some consider her a friend ... that two-thirds of 20,000 homes surveyed were underinsured by an average of 35% . She believes that the underwriter's replacement cost estimator is an excellent tool for maintaining the integrity of the rating structure. However, she questions its accuracy in determining the amount necessary to place the insured back in a comparable dwelling. She's been talking to area contractors who specialize in reconstruction, and has visited the local building inspector. Paula is concerned about the law or ordinance exclusion, debris removal, increased costs following a catastrophe, and the figures ... show reconstruction costs to be much costlier than new construction. Paula has changed her approach with new Homeowners clients. She now tells them, "I'm not an appraiser, and I can't tell you the amount of coverage you need on your home. I can tell you the amount of coverage the company requires to issue the policy. And I can tell you the additional issues that you would want to consider. I can give you information, but I can't tell you the correct insurance amount to cover a total loss. Think ...

... Unfortunately their attitudes are transmitted to the front-line, so it does what the others do, i.e., do the work twice, once on the system and once with paper. Agencies and companies are willing to spend millions on system development and maintenance, yet they hardly spend anything at all teaching people how to maximize its capabilities or to integrate it into the way people work. A LACK OF COMMON PURPOSE. Too many agency people have difficulty relating what they do to a specifically defined outcome. Therefore they focus more on activities ... a series of one-on-one conversations with the staff. 1. Who to ask? Everyone in the value-added chain, customer to customer, plus support staff. The purpose of the interviews is to gather data, not to give information or correct a problem. Unless the place is burning down or someone is breaking the law or stealing from the agency, do not react to what you hear or see. Your purpose is not to fix problems but to create an environment where they will be prevented from occurring in the future. The ... the agency in a changing environment) How did you learn this job? (Did we really train the person or simply give them a few days with another person who showed them what to do? I call this OJTE. In other words, on-the-job trial and error.) Show me what you do? Document every step no matter how small. (This is to discover all of the useless and redundant steps in the existing processes. Where does the work come from? Who gives the person their work, customers, ...

...o employees with no out-of-pocket, hard dollar expense. The company may also b... and cuts down on the probability of errors. 0 && menu.element.children()[0].hasChildNodes() && isOpen){ e.currentTarget.value = menu.element.children()[0].lastChild.innerHTML; } } }); // Each rendered element of target dropdown list // has category integer set as "value" attribute. // Selected item has "selected" attribute set to value "selected". // Example: Articles function getSelectedCategory() { return $('#' + 'ctl00_ctl00_ctl01_ctl00_cp_cp_cp_cp_ctlSearchBox_ddlCategories').find("option[selected='selected']").val(); } }