https://completemarkets.com/Article/article-post/1025/HOW-TO-AVOID-THE-12-MOST-COMMON-CAUSES-OF-BROADCAST-TOWER-LOSS/
...sential, as well as the building, parking areas, and entrances. Lighting is a ...
https://completemarkets.com/Article/article-post/2021/HOW-TO-BUY-SELL-MERGE-PERPETUATE-AN-AGENCY-II/
...a sale that hinged on providing a parking space out back on company property f...seller never did quite get around to parking his RV in that spot that seemed s...
https://completemarkets.com/Article/article-post/69/Finding-Markets-The-Specialty-Program-Consultant/
... the reinsurer might also purchase the general agent. If this is what an agent wants, they should inform the consultant at the beginning. TYPES OF PROGRAMS Consultants must have a broad understanding of the P/C business: Hospital Malpractice, Agents E&O , Private Passenger Auto Liability, Contractors Liability, Auto Default insurance, Crane Rigging Contractors, Truck insurance, Yacht insurance, Amusement Park risks, Hazardous Waste Haulers, Homeowners insurance. Consultants must be able to use agent-clients in-depth knowledge to accelerate their learning curve in all of these product lines. Many agents recognize that their future lies in developing specialty products that they can sell to groups of insureds and their associations. A comprehensive package can go a long way toward keeping clients for the agency regardless of the underwriting cycle. CONCLUSION ... premium volume. Some engagement agreements have a fixed time frame. Others run as long as an agency contract between the parties (agency and insurance company) is in force. FINDING A CONSULTANT In the past many agents used a reinsurance intermediary to place them with an insurance company. Now with more stringent regulations for reinsurance intermediaries, they should not perform this type of service. Use reinsurance intermediaries to structure the appropriate reinsurance program behind the company making the agency appointment. On this basis, agents must become more familiar with the difference between the insurance and reinsurance markets. Consultants who can access both types of markets perform better for agents. Interview consultants much the same way carriers scrutinize the appointment of reinsurance intermediaries. Based on the exchange of information, the appointment process is made. The agent must ...
https://completemarkets.com/company/raley-watts-oneill/Articles/content-package/Member-Content/TabCategory/article-post/2615/Telecommuting-to-Your-Virtual-Office/
... uninterrupted focus on projects. Your telecommuters can complete assignments in 30 hours that used to take more than a 40-hour week. Off-site employees enhance their productivity by avoiding: Lengthy meetings and luncheons Long breaks in the hallway or at the copy machine Distractions from fellow workers Absenteeism due to car problems, sick children, and so forth Reduces office expenses. When your employees work off site, your office and parking space requirements decrease, reducing your costs. Employees who telecommute part-time can share office space. For example, three or four producers may use the same desk and computer in rotation, each one having separate password-protected files in the system. Enhances recruiting. As you interview new employees, you can be more flexible in the selection process. Since the physical location of your recruits is not as great ... 300,000 hours in traffic delays every single work day. A trip that took 15 minutes on a southern California freeway in 1984 will probably take 47 minutes in 2010, and other urban areas are seeing comparable increases in commuting times. A virtual office allows you to translate the wasted time and stress of commuting into top-quality work performance. Enhances productivity. Telecommuters focus on achievement rather than time. Structure your work hours to the times you are most productive and creative. If you function best during the morning, you can begin work at 7 a.m. in your virtual office instead of wasting valuable time in traffic. Saves money. Telecommuting enables you to save money on gas, tolls, child and family care, restaurant lunches, dry cleaning, and new clothes. Employees can work in ...
https://completemarkets.com/company/CompleteMarkets/Articles/content-package/IMMS-Library/TabCategory/article-post/2141/E-O-IN-COMMERCIAL-AUTO/
... any officers, partners or employees furnished an automobile for personal use? Are owned vehicles used for towing special equipment (air compressors, concrete mixers, etc.)? Are operations periodic or seasonal, resulting in the lay-up of any vehicles for 30 consecutive days or more? Are any automobiles equipped with cellular telephones, two-way radios, citizens band radios, or similar devices? How many automobiles are parked in one location overnight? Does the applicant lease/rent vehicles to others with operators? What is the maximum/average radius of operation? Is there a hired/non-owned exposure? The symbol on the policy indicates what vehicles the coverage includes. The applicable symbols (expressed in numbers), range from "1 " to "9 ," with symbol "1 " being the broadest ... any auto. Thus, if your customer were to lease a vehicle for a particular job, symbol "1 " would provide coverage. On the other hand, symbol "7 " is only for vehicles listed on the policy. There would not be coverage for leased or non-owned vehicles with this symbol. Consequently, getting answers to these questions from your customer will help when requesting that coverage be structured appropriately. Symbol "9 " is only for non-owned vehicles. Other items to consider "Named Insured" status/"Drive Other Car" coverage. It should be standard practice to offer the owners of the business (where the business is the named insured) additional "Named Insured" status or "Drive Other Car" coverage. If a business owner suffered an injury as a pedestrian ...
https://completemarkets.com/Article/article-post/2801/What-Are-the-Most-Common-Contractor-Insurance-Claim-Problems/
... delays that lead to financial disputes. These issues can disrupt schedules, raise expenses, and strain client relationships. This article explains how these claim problems develop and why they matter to a contractor's business. Property damage claims from job site accidents or equipment failure Property damage claims often result from job site accidents or equipment failure. A crane may strike a structure, or a skid steer may hit a parked vehicle. These incidents can damage buildings, tools, or nearby property. Many contractors review coverage under Affordable Contractors Insurance contractor plans to address this type of risk. General liability policies often cover third-party property damage. However, policies may exclude damage to the contractor's own work, so policy details matter. Equipment failure also drives claims. A faulty lift can drop materials and break windows. In ... , equipment loss, faulty work, and project delays that lead to financial disputes. These issues can disrupt schedules, raise expenses, and strain client relationships. This article explains how these claim problems develop and why they matter to a contractor's business. Property damage claims from job site accidents or equipment failure Property damage claims often result from job site accidents or equipment failure. A crane may strike a structure, or a skid steer may hit a parked vehicle. These incidents can damage buildings, tools, or nearby property. Many contractors review coverage under Affordable Contractors Insurance contractor plans to address this type of risk. General liability policies often cover third-party property damage. However, policies may exclude damage to the contractor's own work, so policy details matter. Equipment failure also drives claims. A faulty ...
https://completemarkets.com/Article/article-post/2615/Telecommuting-to-Your-Virtual-Office/
...es work off site, your office and parking space requirements decrease, reducin...
https://completemarkets.com/Article/article-post/2351/Crisis-Management-Plan-Introduction/
...n February 1993 that the center's parking garage was vulnerable to a bomb atta...
https://completemarkets.com/company/CompleteMarkets/Articles/content-package/IMMS-Library/TabCategory/article-post/1651/DISASTER-PLANNING-MANUAL-PART-1/
... /2013 10:40:32 PM by CompleteMarkets Editor This content has not been rated yet. DISASTER PLANNING MANUAL - PART 1 It's probable that you'll be swamped by calls from policyholders about what to do before and after a catastrophe. Keep a generous supply of the following four checklists to distribute. You might also print up the checklists in flier form and distribute at shopping malls, supermarkets, parking lots, and so on. What to Do Before a Catastrophe 1. Alert police and fire departments to special conditions, such as an invalid who might require emergency evacuation. 2. Prepare an inventory list of personal valuables, household furnishings, and equipment so losses can be authoritatively itemized. 3. Keep your insurance coverage current with rising building replacement costs. Make sure you have enough coverage ... having a disaster plan ready for implementation can make the solution of the unplanned-for problems that much easier, because you'll have more time to devote to them. Remember, you have planned for many, if not most, of the difficulties you may face when disaster strikes. Such planning can drastically reduce the potential for injury to your employees, inconvenience and loss to your policyholders, and damage to your structure and property. And that's the whole idea of disaster planning! Riding Out the Storm (by Judi Snelson) It wasn't supposed to happen. Charlotte is 200 miles inland and hurricanes generally don't maintain their fury that far from the sea. But Hurricane Hugo did when it hit Charlotte last September. And it was responsible for the almost 2,000 homeowners claims for Allied Assurance Agencies of America ...
https://completemarkets.com/Article/article-post/430/Finding-Agency-Personnel/
...ave been learned driving into the parking lot before the interview. CSRs shoul...