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...res. 5. Adhere to standards of performance for service. 6. Produce adequate ...

... solely on the desire to reward performance. If your best producers or manage...spect(s) of the individual’s performance as a producer or employee. The...

... insured on the policy and all others are excluded entities. If you're planning to expand your services, contact your E&O carrier, in advance to find how this will affect your eligibility, and to make sure that the services are a covered exposure. Poor internal procedures and a sloppy application are not usually a sole reason for declination. However, if there are any questionable aspects of the risk, a neat, clear application from an agency with strong procedures and credentials, and experienced principals and staff will provide the underwriter ... To cover them would defeat the whole purpose of assessing this type of penalty against the defendant as a deterrent to further similar misconduct. Most states don't allow insurance companies to insure punitive damages because they've determined it to be against public policy. Fraud is usually excluded if performed by the insured; however, many policies will provide a defense for allegations of fraud, and if a fraudulent act of a subproducer results in a claim, this should be a covered expense. However, this is not clear in some policies. Determine the ... of your policy, if it is not clear. If an insured employee commits fraud, this would probably not be covered. However, a Fidelity bond (for employee dishonesty), which should be a standard part of your Commercial insurance package, is designed to cover this exposure. Hold-harmless clauses in contracts are becoming increasingly popular. Be aware that most E&O policies exclude "liability of others assumed by contract." If you agree to hold another party harmless and indemnify them for legal costs, etc., you ...

...l of pressure and expect strong performance from the younger stars, replacing...has this method worked to cement the bonds between producers and internal man...

...which to measure the individual performance of each person in the agency, as w...

... they use solvents or other chemicals? [ ] Is there a dermatitis problem - do employees complain about skin dryness, irritation, or sensitization? [ ] Have you considered the use of an industrial hygienist or environmental health specialist to evaluate your operation? [ ] If internal combustion engines are used, is carbon monoxide kept within acceptable levels? [ ] Is vacuuming used, rather than blowing or sweeping dusts, whenever possible for clean-up? [ ] Are materials which give off toxic asphyxiant, suffocating or anesthetic fumes, stored in remote ... or moved? [ ] Are hooks with safety latches or other arrangements used when hoisting materials, so that slings or load attachments won't accidentally slip off the hoist hooks? [ ] Are securing chains, ropes, chockers, or slings adequate for the job to be performed? [ ] When hoisting material or equipment, are provisions made to assure that no one will be passing under the suspended loads? FLAMMABLE AND COMBUSTIBLE MATERIALS HANDLING Delete any items that aren't related to your circumstances. [ ] Are combustible scrap, debris and waste ... /handling of flammable and combustible liquids? [ ] Are all connections on drums and combustible liquid piping, vapor and liquid tight? [ ] Are all flammable liquids kept in closed containers when not in use? [ ] Are bulk drums of flammable liquids grounded and bonded to containers during dispensing? [ ] Do storage rooms for flammable and combustible liquids have explosion-proof lights and mechanical or gravity ventilation? [ ] Is liquefied petroleum gas stored, handled and used in accordance with safe practices and standards? [ ] Are liquefied petroleum storage ...

...ts are generally met by providing bonds or letters of credit. In some cases, ...

... employees-their families, their values, their concerns, their hobbies. You already do this with your top clients. In fact, too many employers know more about their clients than their employees. Establish an alliance benefit program. This one is for all your customers, internal and external. Create a nurturing business climate in which everybody wins by establishing a discount alliance. This encourages your employees and other customers to give your clients their business. Whether you insure a hardware store, video store, dry cleaner, or restaurant, negotiate ... If they don't have laptops when they enter the client's office, it's like going to a supermarket checkout line that employs an abacus instead of an electronic register. To position yourself as a cutting-edge company, use the best tools available. Use company-wide E-mail to honor employee performance. Everybody likes to be recognized and this reinforces your firm's commitment to the electronic world. Design Internet scavenger hunts to promote electronic research. Once you've implemented point No. 1, this is a fun way to motivate employees to learn their way around the cyberworld ... page. This will create more traffic for your site, allow your employees to bring a value-added factor to their community activities, and dramatically underscore your company's commitment to the community. Take an employee to a convention. This is perhaps one of the greatest educational and bonding events that can occur between employer and employee. Make a point of walking the premises every day to talk with your employees. This technique is known as MBWA- Management by Walking Around. Get to know your employees-their families, their values, their concerns, their hobbies ...

... their values, their concerns, and their hobbies. You already do this with your top clients - and too many employers know more about their clients than they do about their employees. Establish an alliance benefit program. This one is for all of your clients, internal and external. Create a nurturing business climate in which everybody wins by establishing a discount alliance. . If you insure a hardware store, a video store, a dry cleaner, a restaurant, negotiate a standard discount that all of your other clients and employees ... ever-changing technology: Design Internet scavenger hunts to promote electronic research. This is a fun way of motivating employees to learn their way around the cyber world - and gain valuable information on a variety of topics from management to social marketing. Use company-wide e-mail to honor employee performance. Everyone likes to be recognized, and this reinforces your company's commitment to the electronic world. Establish an electronic suggestion box. This offers the younger, more computer aware members of your company an opportunity to expand your technological horizons. These people were born into ... On a closing note, moving away from the electronic side, no article about the employee as a client would be complete without a few of my personal thoughts on this issue: Take an employee to a convention. This offers one of the most effective educational and bonding events between employer and employee. Walk and talk. Employees need to feel connected. Make a point of walking your premises every day, talking with employees. Get to know them, their families, their values, their concerns, and their hobbies. You ...

...y-wide E-mail to honor employee performance. Everybody likes to be recognized ...