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...e importance of fire safety in the home, in schools, and at work. But fire safety in the workpl...rm, disconnect any attached appliances and report it immediately. Keep th...

...e importance of fire safety in the home, in schools, and at work. But workplace fire safety is the Occupational Safety and Health Administration's (OSHA) principal focus, and saving lives and preventing injuries due to fire is a k... Use only the extinguishers, hoses, and equipment you are trained to operate safely and effectively. Use respirators as nee...

... of your license certified by your home state insurance department. If you are...rg, PA 17120, (717) 783-2181 Rhode Island, 233 Richmond St., #233 Providence,...

...Hardware, Garden Supply and Mobile Home Dealers (SIC 52); General Merchandise ...intended as a general description only and does not carry the force of legal o...

... , demonstrate superb customer service, and generate a fistful of personal lines referrals. Here's how it works: The electronic daily-retrieval system should be loaded with complete underwriting information about homeowners clients. Run a marketing search (or query) to locate all active homeowners clients whose homes are located in a bedroom community with the previous fire rating. Then merge the extracted information into two separate letters. The first will be an endorsement request to the company advising them of the change and requesting the appropriate endorsement. The second will be a letter ... endorsements and the return of premium and commissions. What should the CSR do? No, screaming is not the answer. Automation is. Automation will not only cut through the nightmare of paperwork such an effort used to require, but afford the CSR an opportunity to build customer loyalty, demonstrate superb customer service, and generate a fistful of personal lines referrals. Here's how it works: The electronic daily-retrieval system should be loaded with complete underwriting information about homeowners clients. Run a marketing search (or query) to locate all active ... Classification Campaign For Csrs 12/31/2013 12:00:00 AM by CompleteMarkets Editor , Tripp Leach 1 Verified Reviews - 5 of 5.0 1 2 3 4 5 Suppose a local bedroom community just finished an Insurance Services Office (ISO) public protection classification inspection and was rewarded with a lower fire rating. For the agency, this means a lot of work: policy endorsements and the return of premium and commissions. What should the CSR do? No, screaming is not the answer. Automation is. Automation will ...

...ke turns bringing the form letters home to get the opinions of some objective ...ncreased turnover, inadequate service, and lost revenue. Don't be penny wise and dollar foolish with your time or mo...

...ier and the client. What about Homeowners accounts? Although in theory, every home should be inspected, in reality, it just isn't practical to inspect every home each year. What you can do, however, i...eply card form evaluating your claims-handling practices. Have the card addres...

... options. Use a relationship-selling process and reward sales staff accordingly. Train, train, and train continuously. Obtain an unbiased assessment of your literature readability and availability. &# 160 4. COMMUNICATE AFTER THE SALE &# 160 After you've written the check and driven home, according to the Saturn owner's handbook, " .. now is when the real stuff begins." Standards call for contacting new owners at intervals of three, 30, and 60 days after purchase. The "real stuff" includes thank-you notes, phone ... Besides great commercials, Saturn uses plant tours, an interactive-exhibition welcome center, cut-away car displays in showrooms, and detailed information on its Web site — just to name a few. Saturn also recognizes that earning great word-of-mouth referrals first requires meeting minimum customer satisfaction expectations by building a reputation through quality and value. &# 160 What you can do: Open your doors. Let people experience your processes, products, or services. Advertise creativity in ways or places not crowded by your competition. Anticipate the everything-you-always-wanted-to-know questions and include the ... callers to Saturn's 800 number are talking to a real person within 13 to 20 seconds. Information requested by mail is sent within 24 to 48 hours. &# 160 What you can do: Focus on the image of your business and monitor it frequently using an inspection checklist. Ensure that customer-contact employees are people-friendly, and train them on the importance and perspective of customers. Establish speedy response standards for phone, mail, and e-mail inquiries. &# 160 3. MAKE THE BUYING PROCESS EASY &# 160 Saturn revolutionized the ...

... inspect, or does the inspection after the fact, you might be liable for any problem that arises. More important, if a problem does arise, you might lose credibility with the carrier and the client. What about Homeowners accounts? Although in theory, every home should be inspected, in reality, it just isn't practical to inspect every home each year. What you can do, however, is to set some guidelines and make arrangements for a personal visit to the client every three years, take photos at that time ... never write a Commercial account without inspecting the risk. This applies to both new business and renewals. If the account is too small to inspect, you would be better off not writing it. If an insured does something you don't know about, or if the building has features not considered, you might fail to advise the insured properly. Take photos of the front, rear, and sides of the property; if possible, take some inside. Diagram the premises and highlight any special processing. Have the insured walk you ... an agency. You can take steps that will lessen your exposure to E&O . Many are common-sense activities that any professional needs to do anyway. Here are 25 tips toward E&O-proofing your agency: 1. Never, never write a Commercial account without inspecting the risk. This applies to both new business and renewals. If the account is too small to inspect, you would be better off not writing it. If an insured does something you don't know about, or if the building has features not considered, ...

... (An example of a claims log follows.) What to Do When a Storm Approaches l. Do whatever you haven't done from checklist No. 1. (Be sure the flashlight batteries are still fresh.) 2. Remind authorities about special conditions for your home. 3. Get your car filled with gas. Supplies may be unavailable later, or rationed. 4. Board up storefronts, doors, windows, and other vulnerable places that can be damaged. 5. Pack durable clothing. (The following is one ... Alert police and fire departments to special conditions, such as an invalid who might require emergency evacuation. 2. Prepare an inventory list of personal valuables, household furnishings, and equipment so losses can be authoritatively itemized. 3. Keep your insurance coverage current with rising building replacement costs. Make sure you have enough coverage for the furnishings and other items you've purchased since you first bought insurance. And buy Flood and Earthquake insurance, if you're eligible and vulnerable. 4. Review your insurance policy. Are you sure everything important is ... . This treatment will mar or otherwise damage hard finishes or surfaces. What to Do About Flood Damage 1. Notify your independent insurance agent. He or she will assign the loss immediately to a qualified adjuster, who will call on you as soon as possible to inspect the damage. Following a major storm or other catastrophe, even with many additional adjusters on site and others enroute, it will take time to process an extraordinary number of claims. If your home has been destroyed, or yours is a serious case, tell ...