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... someone who approaches your desk. Show empathy, which lets the customer know you understand how they feel and the reason for their anger. Ask questions. It may be the only way to find out how to help. Allowing people to vent their feelings let them know that you care and you're there to help. Take notes. Angry people are seldom logical. Your notes may be important documentation in the future. Explain to the person what you can do and how long it will take. Most angry people want action, and they want it now! Tell them what options are available. Show respect for their feelings. Thank the caller for bringing the matter to your attention. Explain that keeping customers satisfied is the number one priority of your agency. Voice Mail Voice mail and answering machines are common in the business world and even in the personal lives of individuals. Part of being a telephone professional means learning to use them as you would any other business tool. Some people are reluctant to leave messages on a machine. They feel they would rather talk to a human being than a machine. They believe human beings are more reliable and the machine might eat' their message. Sometimes, voice mail will catch them off guard, and they are startled or embarrassed. They maybe so surprised, they forget what they were going to say and just hang up. People in general are afraid they won't sound good on the playback. They may even be embarrassed by the message they leave or who might hear it. Message phobia is very real for many people. You ...

... x No Thanks Loading.. Machine Shops - "Why Explain Your Business?"4/30/2013 by CompleteMarkets Editor This content has not been rated yet. MACHINE SHOPS - WHY EXPLAIN YOUR BUSINESS? ' Dear (Customer Name): (Your Agency Name) knows that in your business, a jig isn't a dance, die isn't the singular for dice, and bar stock doesn't refer to the liquor supply. Machine shops have their own special terms and their own special insurance needs. As a specialist in the machine shop industry for more than ( ) years, we know what those terms and needs are. For example, you often have jigs, dies, and other property belonging to your customers on the premises. That means you need extra coverage for your customers' property while it's in your care, custody, or control. Why waste time explaining your business when you can come to us? We can also help you with your risk management needs. We'll call you soon for an appointment. Sincerely, (Your Name) Login or Register (for FREE) to gain access to thousands of other great articles. Need more reasons to join? 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 ...

... someone who approaches your desk. Show empathy, which lets the customer know you understand how they feel and the reason for their anger. Ask questions. It may be the only way to find out how to help. Allowing people to vent their feelings let them know that you care and you're there to help. Take notes. Angry people are seldom logical. Your notes may be important documentation in the future. Explain to the person what you can do and how long it will take. Most angry people want action, and they want it now! Tell them what options are available. Show respect for their feelings. Thank the caller for bringing the matter to your attention. Explain that keeping customers satisfied is the number one priority of your agency. Voice Mail Voice mail and answering machines are common in the business world and even in the personal lives of individuals. Part of being a telephone professional means learning to use them as you would any other business tool. Some people are reluctant to leave messages on a machine. They feel they would rather talk to a human being than a machine. They believe human beings are more reliable and the machine might eat' their message. Sometimes, voice mail will catch them off guard, and they are startled or embarrassed. They maybe so surprised, they forget what they were going to say and just hang up. People in general are afraid they won't sound good on the playback. They may even be embarrassed by the message they leave or who might hear it. Message phobia is very real for many people. You ...

... . &# 160 Lynn shared his experiences, telling us a number of stories. I believe that two of these should qualify for CE credits for all professions. Unfortunately I'm reasonably certain that neither story would be approved. They're separate, yet linked. These experiences are about innovations that have saved millions (if not billions) of dollars in productivity costs, but have probably never been studied at the Harvard Business School. These were lessons learned in fields with weeds, not in buildings with ivy-covered walls. &# 160 Lynn explained that when he first started in the timber industry, the companies would cut the timber, clear the land, and then replant new seedlings. The supervisor at each plant would stress the importance of lining the seedlings up in "perfect" rows so that the machine could cut them at harvest time. Lynn became curious because he knew that trees weren't cut with machines, but by men with band saws. One day he asked the supervisor about these new tree-harvesting machines. &# 160 The "boss" explained that, although these machines currently didn't exist, if we planted the trees right — in perfect rows — the machines would be invented some day because straight rows and a large supply of trees would facilitate their invention. This supervisor understood the future. I'd bet all I own that this guy had very little "schoolin'" (brain tissue), but I'm equally certain that he had great experience (scar tissue) . &# 160 Lynn then took us back to the future. He told another story — and he's a master ...

... x No Thanks Loading.. Turn Your Clients Into Word-Of-Mouth Machines 4/30/2013 by CompleteMarkets Editor , bill cates This content has not been rated yet. I just conducted a special referral boot camp for a group of about 50 highly successful financial advisors. (I mean highly successful!) . One of the advisors shared an approach he uses to generate a steady flow of referrals from his "A " clients. This advisor turns his clients into Word-of-Mouth Machines by providing them with a continual flow of shirts, umbrellas, and other high quality, useful items that his clients use on a regular basis. He told the group that "a $50 shirt is a small investment to get your clients to let others know that they are using you" I'd like to emphasize the words quality and useful. If the items you provide your clients don't meet both criteria, you're probably wasting your money. This advisor has created a "culture of referrals" among his clients. They love the work he does and are happy to spread the word in a low-key, no-pressure way. How can you apply this approach to your business? Get started today! Bill Cates, "America's Referral Coach," is the author of Unlimited Referrals: Secrets That Turn Your Business Relationships into Gold (book, audiotape, and videotape) . You can reach him at Referral Coach International, 7901 Sandy Spring Road, S 102 Laurel, MD 20707; phone: (301) 497-2200; toll-free; (800) 488-5464; fax: (301) 497-2228; e-mail: [email ...

... . &# 160 Lynn shared his experiences, telling us a number of stories. I believe that two of these should qualify for CE credits for all professions. Unfortunately I'm reasonably certain that neither story would be approved. They're separate, yet linked. These experiences are about innovations that have saved millions (if not billions) of dollars in productivity costs, but have probably never been studied at the Harvard Business School. These were lessons learned in fields with weeds, not in buildings with ivy-covered walls. &# 160 Lynn explained that when he first started in the timber industry, the companies would cut the timber, clear the land, and then replant new seedlings. The supervisor at each plant would stress the importance of lining the seedlings up in "perfect" rows so that the machine could cut them at harvest time. Lynn became curious because he knew that trees weren't cut with machines, but by men with band saws. One day he asked the supervisor about these new tree-harvesting machines. &# 160 The "boss" explained that, although these machines currently didn't exist, if we planted the trees right — in perfect rows — the machines would be invented some day because straight rows and a large supply of trees would facilitate their invention. This supervisor understood the future. I'd bet all I own that this guy had very little "schoolin'" (brain tissue), but I'm equally certain that he had great experience (scar tissue) . &# 160 Lynn then took us back to the future. He told another story — and he's a master ...

... insurance firms include policy underwriting, claims processing , customer service, and compliance management. Several insurance businesses rely on manual processes and legacy systems to manage these operations. Manual insurance management involves the utilization of multiple spreadsheets, paper-based workflows, and disconnected software platforms. These sources lack real-time analytics functionality and automated processing capabilities. This makes it challenging for insurance professionals to acquire insights into operational metrics and meet customer requirements. What's the solution? Smart insurance management systems! Insurance management software addresses these operational challenges by centralizing business processes and introducing intelligent automation. Understanding Smart AI Insurance Management Systems and Their Technical Capabilities Smart AI-powered insurance management systems serve as the tech foundation of modern insurance operations. These platforms do more than traditional software by weaving advanced intelligence into every step of the insurance lifecycle. These systems blend machine learning, automation, and analytics to revolutionize how insurers manage policies, assess risks, and help customers. Insurance companies can modernize their operations in several ways with these systems. They create a unified tech ecosystem where previously disconnected operations now work together smoothly. On top of that, they boost data accuracy through immediate data exchanges at every touchpoint. This connection removes data barriers that usually limit AI's power to generate all-encompassing insights. The technical capabilities of the smart insurance management system include: Intelligent Document Processing – Automated systems extract information from unstructured documents like medical records, police reports, and damage assessments. Natural language processing models convert document content into structured data for faster claims evaluation. Proactive Fraud Identification – Insurance management solutions leverage machine learning algorithms to assess claim patterns, policyholder behavior, and transaction ...

... x No Thanks Loading.. Control Of Hazardous Energy Sources (Lock-Out/Tagout)4/30/2013 by CompleteMarkets Editor This content has not been rated yet. INFORMATION DATE 19890613 DESCRIPTION USDOL Program Highlights - Control of Hazardous Energy Sources (Lock-out/Tagout) STANDARD NUMBER 1910.1450 SUBJECT Control of Hazardous Energy Sources (Lock-out/Tagout) U.S. Department of Labor Program Highlights Fact Sheet No. OSHA 89-32 CONTROL OF HAZARDOUS ENERGY SOURCES (LOCK-OUT/TAGOUT) SCOPE The standard for the control of hazardous energy sources (lock-out/tagout) covers servicing and maintenance of machines and equipment in which the unexpected energization or start up of the machines or equipment, or release of stored energy could cause injury to employees. The rule generally requires that energy sources for equipment be turned off or disconnected, and that the switch either be locked or labeled with a warning tag. About three million workers actually servicing equipment face the greatest risk. These include craft workers, machine operators, and laborers. OSHA data show that packaging and wrapping equipment, printing presses, and conveyors account for a high proportion of the accidents associated with lock-out/tagout failures. Typical injuries include fractures, lacerations, contusions, amputations, and puncture wounds with the average lost time for injuries running 24 days. Agriculture, maritime, and construction employers would be covered under future rulemakings. The generation, transmission, and distribution of electric power by utilities and work on electric conductors and equipment are excluded because lock-out/tagout procedures for these specific industries are being included in separate standards under development for them. GENERAL REQUIREMENTS Under the ...

... Employees must submit to testing should their supervisor or a company official suspect alcohol abuse on the job. In addition, random tests are permitted without warning before, during, or after performance of safety sensitive functions. Return-to-duty and follow-up tests will be conducted at least six times in the first 12 months after a driver returns to duty following his or her violation of a prohibited alcohol. These tests may be extended for up to 60 months. Companies are required to perform pre-employment testing for applicants in the process of being hired or after being offered a safety sensitive position. Evidential Breath Testing (EBT) Employers may contract out for EBT services, join a consortium of employers that provide this service, or use their own certified employees. Only a certified breath alcohol technician can calibrate and maintain the EBT machine. This individual receives training and must demonstrate proficiency to pass an EBT course that satisfies Department of Transportation requirements. The EBT machine must appear on the National Highway Transportation Safety Agency (NHTSA) -approved products list. The machine must provide and print the results in triplicate, sequentially numbered with the manufacturer's name, device name, and serial number, and time and date of the test. The EBT machine must be able to test air blanks prior to each screening and perform external calibration checks. The EBT machine must be recalibrated after each positive confirmation test and at least once a month. Random drug testing is performed on 50% of employees each year. Random alcohol testing must be performed on 25% of employees each year (depending on the rate of violations) . Drivers with ...

... Finance/Accounting Risk Management Human Resources Selling Legal and E&O Technology Life/Financial Services Glossaries Management Resources & Links Categories Popular Recent All Back Risk Management: Maximize Good And Minimize Bad 4/30/2013 10:42:27 PM by CompleteMarkets Editor , Michael Manes This content has not been rated yet. RISK MANAGEMENT: MAXIMIZE GOOD AND MINIMIZE BAD by Mike Manes Risk management provides a powerful tool for serving your clients — and growing your bottom line. &# 160 Every person (and business) has two assets: Their person (in business, people) and their things. The price of things can be defined in many ways — replacement cost, actual cash value, book value, etc. The price of people must be determined in terms of people as economic machines: Their life is the machine, their health is the maintenance of the machine, and their income involves the production of the machine. &# 160 The task of risk management is to protect a person, or business, against exposure to loss. &# 160 Five types of "bad" can happen to people: Premature death Unplanned aging Accident or sickness Unemployment Other contingencies — divorce, behavioral problems, bankruptcy, etc. Two types of "bad" can happen to things: Destruction of or damage to property and loss of its use, or Lawsuits. &# 160 The potential loss determines the best method to handle the "bad." Losses are defined by frequency (how often) and severity (how bad) . The options in loss control are: Avoid ...