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...management encompasses (insurance, loss prevention, claims adjusting, risk ide...er than the shipper, have the risk of loss. Loss Reports Examination of property, liability, and Workers Compensation loss reports can provide clues as to wha...

...rance agents can be the safety and loss-control managers for these employers. ...proactive missionaries for safety and loss prevention. Imagine, we could have 20,000 m...

... Am. (23), a person with 30 years' loss control experience was not asked to interview for a loss-control position that required two yea...person dismissed suffers serious wage losses over a long period. Demotions can...

... Inappropriate use might result in loss of access privileges and disciplinary ...race, national origin, sex, sexual orientation, age, religious beliefs, or pol...

...mp;O program continuously. Monitor loss prevention through vigilant observation. Suppo...ire new employees and give them an orientation and introduction to the agency,...

... discrimination statute normally applies to persons between 40 and 65. It is not necessarily illegal to seek persons with relatively limited experience for a particular position. In EEOC v. Insurance Co. of N. Am. (23), a person with 30 years' loss control experience was not asked to interview for a loss-control position that required two years of experience, because the company felt the older person was over-qualified' and would spend too much time on simple claims. The court held that over-qualification did not establish age discrimination ( ... has not been rated yet. Could your agency be the target of a $1 million employment civil rights suit? In an age that has seen million-dollar recoveries against firms for various kinds of discrimination, it is prudent to understand the law and to try to take preventive measures. (The numbers appearing in parentheses refer to legal citations at the end of the article.) A Brief History The civil rights laws of the United States started with the Bill of Rights, the constitutional amendments outlawing slavery after the Civil War, and ... extended more generally by the Americans with Disabilities Act in 1990 (5 ) . Today, the hot areas of civil rights legislation relate to who is handicapped and what accommodations need to be made for them, the area of sexual harassment, and discrimination because of sexual orientation. In addition, the causes of contract and tort wrongful discharge suits are often linked to civil rights statutes. Such suits are often costly to defend and have the potential for large judgments that might not be covered by liability insurance. Protected Persons Protected classes of ...

... efforts to develop above-average levels of productivity and profitability. People are your greatest assets and yet they are also the greatest expense in the agency. Turnover and/or reduced efficiency due to the discontent of one or more persons can literally make the difference between profit and loss and, in some instances, success and failure. One of the principal characteristics of thriving agencies in these tough times is that the owners are consciously focusing on employee relations. It takes constant attention, creativity, and lots of luck to build and maintain an ... when the agency has from five to seven people. By the time the head count has reached nine or ten, the owners/managers must spend a considerable amount of time on personnel issues. If a significant portion of the available time is allocated to feedback and prevention, the agency team will continue to function relatively smoothly through subsequent growth plateaus. These are the firms that are consistently operating with $100,000 or more in revenues per employee and pro-forma profit margins exceeding 15% . In most agencies, however, the ... combination of factors. This article presents the major elements that seem to be present in those firms that have been successful in establishing and maintaining that elusive team spirit. How you implement them will depend upon your own management philosophy as well as the agency's location, business orientation, and access to the right personnel. INGREDIENTS FOR A TEAM-ORIENTED ENVIRONMENT Physical Setting: The layout of the office and the availability of modern equipment can greatly influence productivity and attitude. Frustration at having to walk a long distance to stand in line at a fax ...

... compounded annually (total revenue) Customer Service: Set the standard with the client. Have a goal and achievement it. Accomplish this so that service improves and new standards are continually set. Competitive Position: Set the standard and have as our competition nontraditional means of loss transfer. Social Commitment: Active involvement in the community by all employees of the agency. ACCOUNTING/FINANCIAL MISSION: To be a Service Department treating departments as clients. Objectives: Elevate level of expertise Enhance mutual understanding Accounting department will have full control of receivables ... to take when involved in an accident (Auto Customers) . Job Descriptions- Revise Claim Representative Job Description. Community Service- Attend and Assist with workers' compensation seminar held by commercial lines department. Educate the public on Insurance related matters, like safety, claims prevention, adequacy of insurance (Home, Life, Auto, Etc ) . Transactional Filing- Continue transition to paperless filing. Customer Survey- Develop survey to be sent out to insureds and claimants after a claim is closed to rate the service mof the agency and ... company. TRAVELS Growth and Retention Cannon & Powell Travels will retain business through superior customer service. Develop new sales strategy to contact and establish new clients. Continue to improve our leisure department and grow in leisure market. Projected growth of 23%, total income of $182,329.00 Financial Stability Continue to improve cash flow by use of credit card for all clients. Monitoring accounts receivables. Establish and adhere to department budget. Cruise and group travel targeted to increase income. Duggan client base as source of new clients. Personnel ...

... compounded annually (total revenue) Customer Service: Set the standard with the client. Have a goal and achievement it. Accomplish this so that service improves and new standards are continually set. Competitive Position: Set the standard and have as our competition nontraditional means of loss transfer. Social Commitment: Active involvement in the community by all employees of the agency. ACCOUNTING/FINANCIAL MISSION: To be a Service Department treating departments as clients. Objectives: Elevate level of expertise Enhance mutual understanding Accounting department will have full control of receivables ... to take when involved in an accident (Auto Customers) . Job Descriptions- Revise Claim Representative Job Description. Community Service- Attend and Assist with workers' compensation seminar held by commercial lines department. Educate the public on Insurance related matters, like safety, claims prevention, adequacy of insurance (Home, Life, Auto, Etc ) . Transactional Filing- Continue transition to paperless filing. Customer Survey- Develop survey to be sent out to insureds and claimants after a claim is closed to rate the service mof the agency and ... company. TRAVELS Growth and Retention Cannon & Powell Travels will retain business through superior customer service. Develop new sales strategy to contact and establish new clients. Continue to improve our leisure department and grow in leisure market. Projected growth of 23%, total income of $182,329.00 Financial Stability Continue to improve cash flow by use of credit card for all clients. Monitoring accounts receivables. Establish and adhere to department budget. Cruise and group travel targeted to increase income. Duggan client base as source of new clients. Personnel ...

... compounded annually (total revenue) Customer Service: Set the standard with the client. Have a goal and achievement it. Accomplish this so that service improves and new standards are continually set. Competitive Position: Set the standard and have as our competition nontraditional means of loss transfer. Social Commitment: Active involvement in the community by all employees of the agency. ACCOUNTING/FINANCIAL MISSION: To be a Service Department treating departments as clients. Objectives: Elevate level of expertise Enhance mutual understanding Accounting department will have full control of receivables ... to take when involved in an accident (Auto Customers) . Job Descriptions- Revise Claim Representative Job Description. Community Service- Attend and Assist with workers' compensation seminar held by commercial lines department. Educate the public on Insurance related matters, like safety, claims prevention, adequacy of insurance (Home, Life, Auto, Etc ) . Transactional Filing- Continue transition to paperless filing. Customer Survey- Develop survey to be sent out to insureds and claimants after a claim is closed to rate the service mof the agency and ... company. TRAVELS Growth and Retention Cannon & Powell Travels will retain business through superior customer service. Develop new sales strategy to contact and establish new clients. Continue to improve our leisure department and grow in leisure market. Projected growth of 23%, total income of $182,329.00 Financial Stability Continue to improve cash flow by use of credit card for all clients. Monitoring accounts receivables. Establish and adhere to department budget. Cruise and group travel targeted to increase income. Duggan client base as source of new clients. Personnel ...