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...to discuss a major addition to his home. I had time to do what I do best - not.... The conversion of their house and home dream to the current reality that e...

...general contractor is building new homes. Since it has two officers, but no em...ries this coverage. While building a home, the general contractor hired the s...

...general contractor is building new homes. Since it has two officers, but no em...ries this coverage. While building a home, the general contractor hired the s...

... handy all year, showing each policy's premium due date and each premium. Your staff will check to see that no coverages will be in danger of lapsing while the travelers are away, and also advise about the potential problems. For example, many Medical Expense plans-HMOs, PPOs, Blue Cross/Blue Shield plans, and the employers' self-funded plans-reduce, restrict, or even exclude coverages away from home areas. It is important, therefore, to review Group certificates of coverage, as well as policies. A Life/Health producer will also examine the Life policies, of course, to identify possible improvements. There will probably be many; hardly any existing Life program is beyond serious improvement potential. Many participating policies have serious dollars fast asleep, unknown to their owners, in the form ... , household inventory forms, safety tips-for a few answers about pending trips. CSRs and P/C producers could ask each person about vacation plans during any conversation, also offering a gift. You could advertise in the local media. And you could arrange for travel agencies to relate your gift offer, perhaps as a joint service. (Some P/C agencies use travel as a primary business builder; that's a topic for a future issue.) After you've gathered a list of prospects, agency insureds should be identified (perhaps by number-code or color-coded cards) and distinguished from non-clients. Next, the service offered is a review of all insurance policies-P/C , Life, Health-as a service to the prospect. (You may want to charge, for example, $10 to $ ...

...uick, clean entry Uncluttered home page Easy maneuverability through...

...r even exclude coverages away from home areas. It is important, therefore, to ...nd other high-value items can exhaust Homeowners polices' off-premises limits ...

... five years out, he has major decisions to make, opportunities to capture, and crises to address - tomorrow. To convert his challenge to the vernacular - when you are up to your ass in alligators, it's tough to remember your original challenge is to drain the swamp. We were sitting on his back porch. My friend had to meet with a contractor to discuss a major addition to his home. I had time to do what I do best - not think but observe. His is a modest house sitting on a beautiful, tree filled lot. My only companion during his absence was his dog, Mollie Deux. She's a yellow Lab or maybe a Lab Lite — Lab genes in a Heinz 57 mix of blood. She certainly is well fit for his big yard. A ... Values, a Mission, and Standards. To get to my friend's house you cross a railroad track. There are probably 50 to 60 houses on the single road that is this subdivision. The land was once a sugar cane field so there are no trees except for those that formed the fence row. The one exception is my friend's lot. It has literally dozens of trees. The original builder had the vision to plant these trees and my friend and his spouse had the vision and discipline to maintain them when they really were out of place in the subdivision. His yard is different in a subdivision built on sameness. As you drive down this road you see houses that vary in price from $100,000 to to-$500,000. Before the addition my friend's ...

...originated from the North Carolina Home Builders Association Self Insurers Fun...ction industry is the only business Builders Mutual writes), combined with a d...

... ' Comp carrier and the employer are indistinguishable in this type of case.) The claimant seeking compensation benefits from a statutory employer is required to prove this status. Similarly, a company wishing to obtain immunity from tort liability under the exclusive remedy statute must prove statutory employer status. CONSTRUCTION AND TRANSPORTATION Statutory employer situations often arise in the construction industry. For example, a general contractor is building new homes. Since it has two officers, but no employees, it is not required to carry Workers' Comp insurance. The actual construction of houses is subcontracted out. A subcontractor with employees, however, must show the general contractor proof that it carries this coverage. While building a home, the general contractor hired the subcontractor to perform roofing work with payment to be based on the square footage ... claimant was working on the vehicle, the driver drove over the claimant's right foot, which was subsequently amputated. The claimant sued the first company (GSX), which responded that tort claims were barred because it was the statutory employer of the claimant at the time of the injury. The court held that GSX was an employer and thus immune. In another case, a shop owner hired a builder to add an extension onto his establishment. The contractor hired a second contractor to purchase and install dry-cleaning machinery, including all necessary piping. When the machinery arrived, the second contractor hired the claimant to install the burners and hook up the pressing machines. The second contractor would pick up the claimant every morning and drop him off at the job site. The second contractor instructed the claimant on ...

... Workers Comp carrier and the employer are indistinguishable in this type of case.) The claimant seeking compensation benefits from a statutory employer is required to prove this status. Similarly, a company wishing to obtain immunity from tort liability under the exclusive remedy statute must prove statutory employer status. CONSTRUCTION AND TRANSPORTATION Statutory employer situations often arise in the construction industry. For example, a general contractor is building new homes. Since it has two officers, but no employees, it is not required to carry Workers Comp insurance. The actual construction of houses is subcontracted out. A subcontractor with employees, however, must show the general contractor proof that it carries this coverage. While building a home, the general contractor hired the subcontractor to perform roofing work with payment to be based on the square footage of ... claimant was working on the vehicle, the driver drove over the claimant's right foot, which was subsequently amputated. The claimant sued the first company (GSX), which responded that tort claims were barred because it was the statutory employer of the claimant at the time of the injury. The court held that GSX was an employer and thus immune. In another case, a shop owner hired a builder to add an extension onto his establishment. The contractor hired a second contractor to purchase and install dry-cleaning machinery, including all necessary piping. When the machinery arrived, the second contractor hired the claimant to install the burners and hook up the pressing machines. The second contractor would pick up the claimant every morning and drop him off at the job site. The second contractor instructed the claimant on ...