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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...

... program to only $45,000 after the program's first year. Similar results were achieved at a manufacturer of vibration-isolation equipment. The traditional agent's role has been to write the policy and handle accident reports. I believe that agents can become proactive missionaries for safety and loss prevention. Imagine, we could have 20,000 missionaries preaching that the the cheapest accident is the one that never happens. Think of the possibilities! Arthur I. Moll, CPCU, CIC, is president of the National Association of Professional Insurance Agents (Pia ... to safety. Agents can make a real difference by helping the employer establish safety committees. Why is this important? Studies show that 90% of all accidents are caused by employees rather than by faulty equipment or conditions. Turning over the responsibility for safety and accident prevention to employees, through safety committees, is the only sure-fire way to achieve lasting results. Through my experience, I am more convinced than ever that the only successful approach to safety is to implement an employee-centered program. The agent can be the catalyst who makes ... what I call the magic triangle' of any enterprise: production, quality, and safety. I believe that they're interrelated. Without a strong safety component, productivity, quality, and certainly profitability will suffer. Therefore, we must integrate safety into the hiring, orientation, and training processes. In today's environment, safety can no longer be considered a staff function with only safety professionals responsible for results. In smaller enterprises, the agent can become a major influence in molding these elements together. The effort should be made not ...

... 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,...

...anagement techniques and effective loss control activities are utilized, crise...ing lost operating time Pollution loss reduction Reduction of exposure...

... 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 ...

... various disasters might affect more than just your office building, you should have several temporary locations in your plan. WE ALL NEED POWER Access to your agency might be useless if you can't do anything once you get there. In the event of a disaster, a loss of power might affect a wide area and could be the most serious problem you have to face. When an ice storm hit upstate New York in 1998, the weight of the ice knocked down many power lines for more than a week. Having planned ahead ... time. However, I suggest that you also have a backup plan. A disaster can knock out cell towers, as well as landlines. Also, if traditional phone service is knocked out over a large area, everyone might be using cell phones, which might prevent you from connecting consistently. When putting your plan together, contact your phone service provider to see if you can sign up to pay for any special disaster plans. In many cases you might be able to subscribe to a service that puts your agency's lines on ... is ready to play their role. You might want to publish the plan, either in printed form or on an agency intranet site. You'll probably hold a meeting or training session and test the plan. You should also introduce the plan to new employees during their orientation and training. YOU CALL THAT A DISASTER? After assembling your team, the next step is to consider what type of disasters you might confront. It's easy enough to imagine dramatic natural disasters such as fire, floods, earthquakes, hurricanes, and tornados. ...

... the Company's electronic communications systems for private business activities, personal, or amusement/entertainment purposes. Employees are reminded that the use of corporate resources, including electronic communications, should never create either the appearance or the reality of inappropriate use. Inappropriate use might result in loss of access privileges and disciplinary action, up to and including termination. Proper Usage Employees are strictly prohibited from using Company computers, e-mail systems, and Internet access accounts for personal reasons or for any improper purpose. Some specific examples of prohibited uses include, but ... in discipline of both the authorized user and the person receiving the password, up to and including termination. If users need to share computer resident data, they should use message-forwarding facilities, public directories on local area network servers, and other authorized information-sharing mechanisms. To prevent unauthorized parties from obtaining access to electronic communications, users must choose passwords that are difficult to guess (for example, not a dictionary word, a personal detail, nor a reflection of work activities) . No Expectation of Privacy Employees should expect that the Company ... access all information created, transmitted, downloaded, received, or stored in Company computers at any time, without prior notice. Employees should not assume that they have an expectation of privacy or confidentiality in such messages or information (whether or not this content is password-protected), or that deleted messages are necessarily removed from the system. No Default Protection Employees are reminded that Company electronic communications systems are not encrypted by default. If sensitive information must be sent by electronic communications systems, encryption or similar technologies to protect the data must ...

...ompetition nontraditional means of loss transfer. Social Commitment: Active i...lated matters, like safety, claims prevention, adequacy of insurance (Home, Li...