https://completemarkets.com/Article/article-post/2233/SMART-AGENCIES-SHOULD-STAY-ON-OFFENSE-IN-A-SOFT-MARKET/
... IN A SOFT MARKET by Bobby Reagan and Brian McNeely With no end in sight ...gement consulting firm that developed and produces the “Independent Insurance Agents and Brokers of America Best Practices S...
https://completemarkets.com/Article/article-post/502/Evaluate-Prospective-Buyers-For-Your-Agency/
...copy of their current balance sheet and their “Trust Ratio” (use this formula)...ssistance from people who know the ins and outs of buying and selling agencies.
https://completemarkets.com/Article/article-post/1553/Preventing-Workplace-Accidents/
... reduce injuries on the job:
Strain and Sprains
Modify job procedures to ...tate job tasks.
Minimize forceful and strenuous activities such as gripping, lifting, pushing and pulling.
https://completemarkets.com/Article/article-post/317/Banks-And-P-C-Agencies-Reality-Check-%E2%80%94-Part-IV-Buyer-Beware/
Banks And P/C Agencies Reality Check — Part IV: ...n, hard work, effective due diligence, and hands-on implementation, based on expectations that are both reasonable and in the best interests of the bank’s...
https://completemarkets.com/company/CompleteMarkets/Articles/content-package/IMMS-Library/TabCategory/article-post/317/Banks-And-P-C-Agencies-Reality-Check-%E2%80%94-Part-IV-Buyer-Beware/
... your CompleteMarkets Company Profile Deactivate Cancel Loading.. About Us Services Jobs PR Newsletters Employees Articles Blog Photos Group Connections Reviews IMMS Library Immerse yourself in our stacks. Take some time and browse through our library. We have thousands of articles, checklists, tip sheets, sales letters, and more! Communications Marketing Customer Service Planning Finance/Accounting Risk Management Human Resources Selling Legal and E&O Technology Life/Financial Services Glossaries Management Resources & Links Categories Popular Recent All Back Banks And P/C Agencies Reality Check — Part IV: ... buying another one, the buyer must be successful. In fact, the opposite holds true: the seller almost always gets the better deal. Don't take a bank's (or any other firm's) success at buying a business, or especially many businesses, as a sign of success. It's all too easy to do plenty of acquisitions and hide the poor results for many years: consider Tyco, WorldCom, etc. Focus on the difference between the results realized and those promised — and the gap between actual earnings and pro forma ... . These differences are essential. For example, I recently reviewed the financials of a buyer whose EBITDA was almost 10%, even though their cash flow couldn't cover operating expenses, much less principal payments. That's why I recommend copying bank acquisitions of agencies that have achieved organic growth of 10 %+ and pretax (not pro forma or EBITDA) profits of 15 %+ . By this standard, the majority of bank-agency acquisitions have failed. Consider BB&T : the poster boy for banks acquiring insurance agencies. Put BB&T's ...
https://completemarkets.com/company/CompleteMarkets/Articles/content-package/IMMS-Library/TabCategory/article-post/502/Evaluate-Prospective-Buyers-For-Your-Agency/
... your CompleteMarkets Company Profile Deactivate Cancel Loading.. About Us Services Jobs PR Newsletters Employees Articles Blog Photos Group Connections Reviews IMMS Library Immerse yourself in our stacks. Take some time and browse through our library. We have thousands of articles, checklists, tip sheets, sales letters, and more! Communications Marketing Customer Service Planning Finance/Accounting Risk Management Human Resources Selling Legal and E&O Technology Life/Financial Services Glossaries Management Resources & Links Categories Popular Recent All Back Evaluate Prospective Buyers For Your Agency 4/30/2013 12 ... , the buyer's balance sheet should have these minimum ratios: Collection ratio: 65 or less. Current ratio: 1-to-0 or greater. Days of working capital: 30 or more. To obtain more security, ask the buyer to warrant the truthfulness of their financials and sign any statements their attorneys or consultants deem appropriate. Q: "How can I keep my clients from being treated like second-class citizens after the sale?" A: Insert a clause in the sales contract stipulating that your clients will be treated the same as the ... other clients. Of course, this clause will be effective only if the buyer treats clients as well as you do. For this reason, it might be preferable to include specific minimum standards in the contract. If you fear that your clients will be treated poorly, it probably would be better to find another buyer, especially if the deal is retention based. Q: "What should you look for (besides a high price)?" A: When selling your agency for stock, take these precautions: Include a ...
https://completemarkets.com/company/CompleteMarkets/Articles/content-package/IMMS-Library/TabCategory/article-post/1553/Preventing-Workplace-Accidents/
... your CompleteMarkets Company Profile Deactivate Cancel Loading.. About Us Services Jobs PR Newsletters Employees Articles Blog Photos Group Connections Reviews IMMS Library Immerse yourself in our stacks. Take some time and browse through our library. We have thousands of articles, checklists, tip sheets, sales letters, and more! Communications Marketing Customer Service Planning Finance/Accounting Risk Management Human Resources Selling Legal and E&O Technology Life/Financial Services Glossaries Management Resources & Links Categories Popular Recent All Back Preventing Workplace Accidents 4/10/2014 12:00: ... floors. Paint stairs, curbs and ramps in bright, contrasting colors. Keep aisles clear of materials and debris. Illuminate all walkways, stairways and other walking surfaces. Repetitive Motion Injuries Adjust workstations to ergonomically fit', i.e., uncomfortable working positions are a sign of future injury. Take periodic rest breaks. Rotate job tasks. Minimize forceful and strenuous activities such as gripping, lifting, pushing and pulling. Login or Register (for FREE) to gain access to thousands of other great articles. Need more reasons to ... ? Need insurance for you, your business or your family? Get quality appointments - Save yourself a whole lot of time & money when you use our directory of carriers, wholesalers and service providers. Negotiate lucrative contracts with carriers and wholesalers. Net result. More revenue for your agency! Clients & Prospects will research you, your co-workers and your agency here. The most comprehensive online insurance industry reference library for - Personal Lines Professionals Commercial Lines Professionals Life/Health & Benefits Professionals Online newsletters and content that you can use for ...
https://completemarkets.com/Article/article-post/1555/OSHA-HANDBOOK-FOR-SMALL-BUSINESSES-PART-2/
...s provided with the word EXIT in lettering at least five inches high and the stroke of the lettering at least one half-inch wide? [ ] A...
https://completemarkets.com/Article/article-post/1556/OSHA-HANDBOOK-FOR-SMALL-BUSINESSES-PART-3/
Osha Handbook For Small Businesses, Part 3
OSHA HANDBOOK FOR SMALL BUSINESSES PART 3 WELDING, CUTTING AND BRAZING [ ] Are only authorized and trained personnel permitted to use wel... difficult or impossible? FLAMMABLE AND COMBUSTIBLE MATERIALS [ ] Are combustible scrap, debris and waste materials (oily rags, etc.) stored in covered metal receptacles and removed from the worksite promptly?...
https://completemarkets.com/Article/article-post/430/Finding-Agency-Personnel/
...illing skilled technical positions, and 42% expected problems in finding profe...nagers now should have a better understanding of how to navigate the many pitfalls inherent in the employee selection and hiring process.