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Landscaping Firm Implements Drug Testing
LANDSCAPING FIRM IMPLEMENTS DRUG TESTING WORKING PARTNERS Architectural Landscaping, Inc., in Tucson, Arizona, creates...fficult to document, Architectural Landscaping feels its program ensures safe ...

... too inefficient. And down come the prices even further. NICHES AND SPECIAL PROGRAMS Although alternative risk financing is considered new and creative, producing niche business is anything but. The only thing new is that niches are now called ' crevices' by some-perhaps to connote deep knowledge in a narrow field. But old hat or not, program business is likely to remain an important part of the Commercial Lines landscape. Commercial Lines insurance sales is a competitive business, to say the least, and the most active producers, veterans, and rookies find the need to do more than write their community. Specialization gives them more focus and the opportunity for better closing ratios. Thus, programs have been developed for virtually every conceivable trade group and class of business. And some prominent national carriers have made program business ... in the last decade or so, we usually come up with organizations in Excess & Surplus lines; or if standard lines are involved, they're usually for a specialized class. But this need not be. The P/C industry has a history of active and prominent MGAs in mainstream standard markets, many on the West Coast in the middle part of this century. Essentially, MGAs were a vehicle that solved the problem of carriers wanting to participate in the growing population and income in that region without the cost and time delays associated with putting up brick and mortar. Although today is a different era, we have a similar set of economic circumstances-the need to market and a cost constraint. Some of the MGA stories did not have happy endings, especially for the carriers involved. In those ...

...entifying categories of tactical vehicles from which to execute. Let’s discuss...artners, competitors, and marketing vehicles. Then you’ll know your customers ...

...an non-owners when driving their vehicles, so this type of risk deserves a low...