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/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/2615/Telecommuting-to-Your-Virtual-Office/
...es work off site, your office and parking space requirements decrease, reducin...
https://completemarkets.com/company/CompleteMarkets/Articles/content-package/IMMS-Library/TabCategory/article-post/1025/HOW-TO-AVOID-THE-12-MOST-COMMON-CAUSES-OF-BROADCAST-TOWER-LOSS/
... three years or when adding additional equipment. 10. INADEQUATE SECURITY. Security is becoming more of an issue, particularly in certain areas where towers and studios are located. The property should be fenced in, or at the least the road or walkways should have locked gates. Depending where the facilities are located, floodlighting roads, walks, and gates is essential, as well as the building, parking areas, and entrances. Lighting is a major factor in deterring vandalism and other types of crime and reducing the possibility of injury. The transmission building, the tower base, and guy anchors should all be fenced-if not the entire property. Along with minimizing the possibility of vandalism, fencing provides protection for these key areas from being struck by trash removers or farm equipment. Barbed wire should be ... below 32 degrees. It is quite common in lower latitudes; it accumulates when there is a slight drizzle. This type of ice has a density of 54 pounds per cubic foot. A failure to install de-icing equipment results in excess weight and will cause increased wind resistance, resulting in possible tower failure. A single icing episode can produce damage to the tower, antenna, feedline, and associated structures simultaneously. Ice cracker cones are effective in protecting the guy wire grips. Ice bridges protect attachments from falling ice, including transmission lines leading from the tower to the transmitter building. Ice shields are inexpensive and effective protection for side-mounted antennas, microwave dishes, beacons, and other tower attachments. 4. WIND. It is impossible to build a tower that will withstand all winds. Wind damage ...
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/430/Finding-Agency-Personnel/
... are surly or unable to answer questions with some degree of authority; they will have to be able to say no' when acting as CSRs. Expect producer candidates to rise to an important selling opportunity: selling themselves. 3. Questions and answers: Ask questions that verify candidates' personality types. Producer candidates should have been competitors all of their lives-competitiveness should not have been learned driving into the parking lot before the interview. CSRs should have always been supportive and conservative in activities and achievements. Divide the interview process between three people, giving each person a 20-minute interviewing assignment. This not only saves valuable time, it also provides three heads and three points of view on a subject. The interview is also an excellent training ground for up-and-coming managers. If the agency is small and only ... supervisor who was not given as a reference by the candidate by asking: What is the name of the candidate's closest workmate or supervisor? ' d. Tell the reference, The position the candidate is applying for demands (for the CSR) a lot of patience, detail-orientation, and telephone work . . . (for the producer) an ability to self-manage in the field and operate without much structure. We want to be sure that there is every chance of success. . . . ' Listen for a strong confirmation that there should be no problem. PERSONALITY TESTING Look for a statistically high probability that a candidate scores or profiles in a personality test like people who have performed in a certain kind of position successfully. The profiling service selected should not be lengthy or clinical-that kind of testing ...
https://completemarkets.com/Article/article-post/430/Finding-Agency-Personnel/
...ave been learned driving into the parking lot before the interview. CSRs shoul...
https://completemarkets.com/Article/article-post/1651/DISASTER-PLANNING-MANUAL-PART-1/
... at shopping malls, supermarkets, parking lots, and so on. What to Do Before ...