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... a part of their long-range corporate plan for new products or business acquisitions, joint ventures, and so forth) so that they can study the insurance implications before making final decisions. You, and they, will also need to keep on top of continual changes in the regulatory codes and laws that govern their business and enhance the professional posture of your agency. Larry Caspers Insurance Planning, Inc. Hays, KS Our agency has provided risk management services for many years; but unlike many agents we include risk management as a value added service to our clients. Although it's difficult to measure the effects of offering these services, there's no doubt that doing so has played a key role in our growth and retention — and helped differentiate ourselves from insurance peddlers. We have considered setting up a separate ... management is to conserve the physical assets of the business from Accidental Loss and Liability claims. The first step is to identify all the exposures a client faces. This can only be done by a physical inspection of the premises and a thorough investigation of the client's business. When clients and prospects are reluctant to give us their valuable time, we've always replied: "If you were taking an airplane ride, would you prefer the pilot check out the plane in advance or just hop in and take off?" Agents need to examine the client's coverage closely in order to build a better mousetrap. Duplicating the existing program makes price, rather than enhanced coverage, the primary factor for change. There's no way that an agent can underwrite properly over the phone or based solely on information the client ...

... Caspers Insurance Planning, Inc. Hays, KS Our agency has provided risk ma...