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... of staged auto accident cases to medical providers and attorneys for a fee-is...er staged-accident cases. Similarly, medical clinics that allow patients to si...

... expertise in such lines as Auto, Medical, Surety, and Workers' Compensation t... expertise in out-of-country private Medical insurance and, potentially, Worke...

... every day in the future on defective, often unsafe sporting equipment. 55 malfunctioning ATMs will be installed in the next 12 months. 20,000 incorrect drug prescriptions will be written in the nest 12 months. 114,500 mismatched pairs of shoes will be shipped this year. $761,900 will be spent in the next 12 months on tapes and CDs that won't play. 107 incorrect medical procedures will be performed by the end of the day today. 315 entries in Webster's Third New International Dictionary of the English Language (unabridged) will turn out to be misspelled. Incidentally, 99.9 percent accuracy would be a remarkable improvement in the context of current performance levels. For example: A Hewlett-Packard study of 300,000 semiconductors from three American firms and three Japanese firms recently found the ... alternative to setting standards at the highest quality level becomes clearer when you look at the consequences of the almost but not quite' school of thought. If 99.9% is good enough, then . . . Two million documents will be lost by the IRS this year. 811,000 faulty rolls of 35mm film will be loaded this year. 22,000 checks will be deducted from the wrong bank accounts in the next 60 minutes. 1,314 phone calls will be misplaced by telecommunication services every minute. 12 babies will be given to the wrong parents each day. 268,500 defective tires will be shipped this year. 14,208 defective personal computers will be shipped this year. 2,200 gallons of coffee assumed to be caffeinated will turn out to be decaf instead-but consumed ...

...ntial problems. For example, many Medical Expense plans-HMOs, PPOs, Blue Cross...

...me from sales backgrounds in the medical field, sports management, and newspa...

... 5 -- Printers   I. 10 -- Medical Professionals   J. 5 -- Chur... Apartment Projects   U. 5 -- Banks, Savings & Loans   V. 5 --...

...N'T GET CAUGHT WITH A GAP IN YOUR MEDICAL COVERAGE We have recently receive...companies that specialize in quality medical plans for individuals who find th...

... . The international insurance market offers a variety of benefits to independent agents and brokers. It provides a perfect tool for solidifying your Commercial Lines accounts and insulating them from inroads being made by alphabet house brokers. International insurance operations also offer an entree to new product lines and markets that will expand your facilities abroad. For example, U.S. agents can introduce their expertise in such lines as Auto, Medical, Surety, and Workers' Compensation to third-world countries that are privatizing these coverages. Canadian brokers can expand their expertise in out-of-country private Medical insurance and, potentially, Workers' Compensation. Doing business abroad can introduce agents and brokers to new international markets, both primary (with such carriers as AGF, Allianz, Generali, and Winterthur), and reinsurance/variable insurance programs (financial reinsurance ... , Guernsey (the Channel Islands), and Luxembourg. BUILDING EXPERTISE AND INTERNATIONAL KNOWLEDGE AIG Chairman Hank Greenberg highlighted the success of operating internationally at the 1992 IMMS convention in Scottsdale, AZ. Greenberg has led his very successful organization to develop business in China, the United Kingdom, Europe, South America, Canada, and the United States. For example, AIG has extended its expertise in financial banking to U.S. corporate clients that do business in Asia but find their U.S. bankers unwilling to take the risk of providing financing abroad. Similarly, many IMMS members are large surety brokers with a wealth of expertise and knowledge of their corporate clients. They can extend this expertise internationally by working with companies such as AIG, which understand foreign markets. FREE TRADE AND THE WORLD INSURANCE MARKET The ...

... people need and want, ' says Regnier. No one was doing that for volunteer fire departments over 20 years ago, before Art Glatfelter went to bat for them. VFIS writes all lines of business except workers' compensation' for volunteer fire departments and emergency service organizations. Available coverages include injury-to-firemen liability, accident and sickness, vehicle agreed value for engines, errors and omissions liability, pollution liability, medical malpractice, bonding and others. VFIS currently insures more than 500 Texas volunteer fire departments and emergency service organizations, Regnier says, primarily in Houston , Dallas and San Antonio/Austin regions. The average premium is about $9 ,000, with some departments paying as little as $3 ,500 and a few anteing more than $100,000. The Company estimates that about half ... no competition, little or no underwriting activity, and little or no service after the sale. Minimum competition is guaranteed by the small size of many of the products that Everhart sells. Notary publics, for example, pay $50 for a four-year, $2 ,500 bond. Most agencies aren't interested in such small premiums and only write the coverage when an existing client, such as a bank, asks for it, Everhart says. Minimum underwriting activity is guaranteed by the nature of each line of business. It's not too difficult to obtain notary public and used-car dealer bonds or hole-in-one coverage because they involve no public liability, Everhart notes. Avoiding areas that could involve legal or medical entanglements are an additional desirable' for new niche markets, he adds. Other desirables: the niche ...

...s liability, pollution liability, medical malpractice, bonding and others. ...ng areas that could involve legal or medical entanglements are an additional '...