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... x No Thanks Loading.. Paving Company Saves By Investing In Employees 4/30/2013 by CompleteMarkets Editor This content has not been rated yet. PAVING COMPANY SAVES BY INVESTING IN EMPLOYEES Safety has been a major reason for the start-up and operation of an Employee Assistance Program (EAP) at Chamberlain, a paving contractor in Laurel, Maryland, specializing in parking lot maintenance. Over a three-year period, increases in Workers Compensation and Commercial General Liability exceeded 100% . By implementing a Safety Awareness Program, the company saw an immediate and significant decrease in the frequency of workers compensation claims and vehicular accidents. Because the company's heavy equipment and trucks travel daily on interstate highways around metropolitan Washington D.C., the owners felt it was necessary to implement an alcohol and drug policy. Years ago, a local consulting firm helped with the development of this policy by working with the company's human resource advisory group. The process included meetings with all employees to explain the rationale for the new policy and an opportunity for employee input. In the course of those meetings, it became clear that designing an alcohol and drug policy would not magically solve all the problems associated with these negative behaviors. The 75 full-time employees needed a mechanism to deal effectively with personal problems so that, if necessary, they could find help, take a leave of absence to deal with their problems, and then return to the company and improve their productivity. Chamberlain asked its consultant to solicit proposals from qualified EAP providers to implement and manage an EAP. At a cost of approximately $3 ,000 a year, Chamberlain's ...

... x No Thanks Loading.. An Attention-Getter Paving The Way 4/30/2013 by CompleteMarkets Editor This content has not been rated yet. AN ATTENTION-GETTER PAVING THE WAY COVERAGE: Total Service PROSPECTS: Prospective Clients COMMENTS: An Attention-Getter Paving the Way for Future Follow-Up. Dear (Customer Name), 3 THINGS YOUR INSURANCE AGENT OWES YOU Do you receive the insurance service you deserve and, more importantly, the service you need? Insurance service consists of three basic elements: advising the policyholder on the types and amounts of coverage best suited to specific needs, following through to see that the program of financial protection remains adequate and up to date, and assisting the policyholder in resolving any losses covered by the insurance. We give close and continuing attention to all three areas. That's our job as independent insurance agents. And to us, that adds up to service that you deserve. . . service that brings a smile of satisfaction to the people whose insurance requirements it is our privilege and responsibility to handle. Ours is a true multiple-line insurance agency providing a broad range of coverages for car, home, family, and business. We hope we can be of service to you. 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 ...

... . Would you recommend this company? 2. What about this company do you like/dislike? 3. Why did you choose this rating? Submit This Anonymously Submit Cancel Contact Us contact_phone Click to call Unfollow First name: Last name: Email: Are you sure you want to deactivate your CompleteMarkets Company Profile Deactivate Cancel Loading.. About Us Services Jobs PR Newsletters Employees Articles Blog Photos Group Connections Reviews IMMS Library Immerse yourself in our stacks. Take some time and browse through our library. We have thousands of articles, checklists, tip sheets, sales letters, and more! Communications Marketing Customer Service Planning Finance/Accounting Risk Management Human Resources Selling Legal and E&O Technology Life/Financial Services Glossaries Management Resources & Links Categories Popular Recent All hope Articles tagged with hope Back An Attention-Getter Paving The Way This content has not been rated yet. CompleteMarkets Editor 4/30/2013 10:37:47 PM AN ATTENTION-GETTER PAVING THE WAY COVERAGE: Total Service PROSPECTS: Prospective Clients COMMENTS: An Attention-Getter Paving the Way for Future Follow-Up. Dear (Customer Name), 3 THINGS.. All Articles by CompleteMarkets Editor Comments (0 ) Cancellation - Request Policy This content has not been rated yet. CompleteMarkets Editor 4/30/2013 10:38:27 PM CANCELLATION - REQUEST POLICY Dear (Customer Name), RE: At your request, we are sending the enclosed Cancellation Request/Policy Release to effect cancellation of the above policy on ( ) . Please .. All Articles by CompleteMarkets Editor Comments (0 ) Cancellation - Request Policy 2 This content has not been ...

... It A New Day? This content has not been rated yet. CompleteMarkets Editor , Robert Smith 4/30/2013 10:46:13 PM AGENCY VALUATION, MERGERS & ACQUISITIONS: IS IT A NEW DAY? by Robbie Smith The significant loss of surplus from the 9/11 catastrophe, together with an already compelling need for r.. All Articles by CompleteMarkets Editor Comments (0 ) Agents And Clients: Closing The Gap This content has not been rated yet. CompleteMarkets Editor , Emily Huling 4/30/2013 10:36:34 PM AGENTS AND CLIENTS: CLOSING THE GAP by Emily Huling Agents and clients have different priorities. A recent Independent Insurance Agents of America study revealed that 59% of Personal Line.. All Articles by CompleteMarkets Editor Comments (0 ) An Attention-Getter Paving The Way This content has not been rated yet. CompleteMarkets Editor 4/30/2013 10:37:47 PM AN ATTENTION-GETTER PAVING THE WAY COVERAGE: Total Service PROSPECTS: Prospective Clients COMMENTS: An Attention-Getter Paving the Way for Future Follow-Up. Dear (Customer Name), 3 THINGS.. All Articles by CompleteMarkets Editor Comments (0 ) Best Practices For Agency Managers: Look Beyond The Numbers This content has not been rated yet. CompleteMarkets Editor , Robert Smith 4/30/2013 10:45:45 PM BEST PRACTICES FOR AGENCY MANAGERS: LOOK BEYOND THE NUMBERS by Robert C. Smith Taking the financial and operational performance results of the Best Practices Study and building manag.. All Articles by CompleteMarkets Editor Comments (0 ) 1 2 3 4 5 x No Thanks Loading.. ...

... And Esops This content has not been rated yet. CompleteMarkets Editor , Robert Nein 4/30/2013 10:43:12 PM A TAX BONANZA: S CORPORATIONS AND ESOPs by Robert Nein The 1997 Tax Relief Act has made possible the best of all worlds for insurance agencies. One could not hope for a better opportunity. There ha.. All Articles by CompleteMarkets Editor Comments (0 ) Agency Management: The Great Compromise This content has not been rated yet. CompleteMarkets Editor , Chris Burand 4/30/2013 12:00:00 AM AGENCY MANAGEMENT: THE GREAT COMPROMISE by Chris Burand Chris Burand defines the great compromise as working smarter, rather than harder. Of course, 12 hours of working smarter is alwa.. All Articles by CompleteMarkets Editor Comments (0 ) An Attention-Getter Paving The Way This content has not been rated yet. CompleteMarkets Editor 4/30/2013 10:37:47 PM AN ATTENTION-GETTER PAVING THE WAY COVERAGE: Total Service PROSPECTS: Prospective Clients COMMENTS: An Attention-Getter Paving the Way for Future Follow-Up. Dear (Customer Name), 3 THINGS.. All Articles by CompleteMarkets Editor Comments (0 ) Analyzing Customer Problems This content has not been rated yet. CompleteMarkets Editor , Mary Beth Bolen 4/30/2013 12:00:00 AM ANALYZING CUSTOMER PROBLEMS by Mary Beth Bolen The best customers are your existing customers. Some agree with that statement and some don't. There are some customers you'd probably rather b.. All Articles by CompleteMarkets Editor Comments (0 ) Auto Rental Reimbursement This content has not been rated yet. CompleteMarkets Editor 6 ...

... Blog Photos Group Connections Reviews IMMS Library Immerse yourself in our stacks. Take some time and browse through our library. We have thousands of articles, checklists, tip sheets, sales letters, and more! Communications Marketing Customer Service Planning Finance/Accounting Risk Management Human Resources Selling Legal and E&O Technology Life/Financial Services Glossaries Management Resources & Links Categories Popular Recent All home Articles tagged with home Back Adjusters Say The Darnedest Things This content has not been rated yet. CompleteMarkets Editor , Bill Wilson 5/9 /2013 12:00:00 AM ADJUSTERS SAY THE DARNEDEST THINGS by Bill Wilson Its inexcusable when a claim is denied for no other reason than Its not covered. The insured is owed a reason for a clai.. All Articles by CompleteMarkets Editor Comments (0 ) An Attention-Getter Paving The Way This content has not been rated yet. CompleteMarkets Editor 4/30/2013 10:37:47 PM AN ATTENTION-GETTER PAVING THE WAY COVERAGE: Total Service PROSPECTS: Prospective Clients COMMENTS: An Attention-Getter Paving the Way for Future Follow-Up. Dear (Customer Name), 3 THINGS.. All Articles by CompleteMarkets Editor Comments (0 ) Anniversary Letter This content has not been rated yet. CompleteMarkets Editor 4/30/2013 10:38:40 PM ANNIVERSARY LETTER Dear (Customer Name), CONGRATULATIONS ON YOUR FIRST ANNIVERSARY IN YOUR NEW HOME! As a new homeowner, I bet you've had your hands full this past year. Moving, organizing, deco.. All Articles by CompleteMarkets Editor Comments (0 ) Catastrophe Planning: Is Your Agency Really Prepared? This content has ...

... ADDRE.. All Articles by CompleteMarkets Editor Comments (0 ) Agency Telephone Procedures: Telephone Messages This content has not been rated yet. CompleteMarkets Editor , Karen Flaherty 4/30/2013 12:00:00 AM AGENCY TELEPHONE PROCEDURES: TELEPHONE MESSAGES by Karen Flaherty Telephone Messages Conveying messages has always played an important role in telephone work. Hundreds of pieces of.. All Articles by CompleteMarkets Editor Comments (0 ) Agreement For Purchase And Sale This content has not been rated yet. CompleteMarkets Editor , Gary Jacobson 4/30/2013 10:41:13 PM AGREEMENT FOR PURCHASE AND SALE by Gary Jacobson All Assets (Includes Trade Name Transfer) Comments This form involves a straightforward sale of all assets of a smaller incorporated agenc.. All Articles by CompleteMarkets Editor Comments (0 ) An Attention-Getter Paving The Way This content has not been rated yet. CompleteMarkets Editor 4/30/2013 10:37:47 PM AN ATTENTION-GETTER PAVING THE WAY COVERAGE: Total Service PROSPECTS: Prospective Clients COMMENTS: An Attention-Getter Paving the Way for Future Follow-Up. Dear (Customer Name), 3 THINGS.. All Articles by CompleteMarkets Editor Comments (0 ) Anniversary Letter This content has not been rated yet. CompleteMarkets Editor 4/30/2013 10:38:40 PM ANNIVERSARY LETTER Dear (Customer Name), CONGRATULATIONS ON YOUR FIRST ANNIVERSARY IN YOUR NEW HOME! As a new homeowner, I bet you've had your hands full this past year. Moving, organizing, deco.. All Articles by CompleteMarkets Editor Comments (0 ) Audit Statement - Invoice This content has not been rated yet. ...

... New Look At The Sale Of Life Insurance To Children This content has not been rated yet. CompleteMarkets Editor 4/30/2013 10:40:04 PM A NEW LOOK AT THE SALE OF LIFE INSURANCE TO CHILDREN More children die from injuries than from disease, reports a Wall Street Journal item which quotes specialists at the Johns Hopkins Children's Ce.. All Articles by CompleteMarkets Editor Comments (0 ) Adding Value To A Family Business This content has not been rated yet. CompleteMarkets Editor , Pegi Flahault 4/30/2013 12:00:00 AM ADDING VALUE TO A FAMILY BUSINESS by Pegi Flahault A long time ago, agencies thrived by simply writing enough policies, attending enough meetings, making enough contacts, and re.. All Articles by CompleteMarkets Editor Comments (0 ) An Attention-Getter Paving The Way This content has not been rated yet. CompleteMarkets Editor 4/30/2013 10:37:47 PM AN ATTENTION-GETTER PAVING THE WAY COVERAGE: Total Service PROSPECTS: Prospective Clients COMMENTS: An Attention-Getter Paving the Way for Future Follow-Up. Dear (Customer Name), 3 THINGS.. All Articles by CompleteMarkets Editor Comments (0 ) Auto-Rv This content has not been rated yet. CompleteMarkets Editor 4/30/2013 10:37:33 PM AUTO-RV Dear (Customer Name): It's almost time to pack up the family and head for your favorite vacation spot - or visit someplace new. And it's so easy to do with your RV. But your recreational .. All Articles by CompleteMarkets Editor Comments (0 ) Best Partnership This content has not been rated yet. ...

... x No Thanks Loading.. Developing Broker Services Agreements 4/30/2013 by CompleteMarkets Editor , Gary Griffin This content has not been rated yet. DEVELOPING BROKER SERVICES AGREEMENTS by Gary Griffin This document by Gary Griffin illustrates the detail with which you can draft a broker service agreement and paves the way for you and your insured to develop a meaningful and profitable service partnership. For many businesses, insurance represents a substantial percentage of their revenues. In most instances, one or more insurance brokers places insurance policies on behalf of the insured. The brokers' income is usually derived from insurer-paid commissions, from a fee negotiated with the insured, or from some combination of the two. The insured pays — directly or indirectly — for the broker to perform certain services which might be limited to the marketing and placement of insurance; or they might include hands-on assistance with such things as risk identification and measurement, loss control, claims consulting, and actuarial studies. Although most businesses enter into some form of written contractual arrangement with many of their vendors, most don't have such contracts with their insurance brokers. This can hold true for even very large organizations where brokers' fees and commissions can range from several hundred thousand to millions of dollars each year. The benefit of a broker-services agreement is that it defines in writing the expectations of the insured and the responsibilities of the broker. This helps eliminate disputes that might arise. A written service agreement also provides benchmarks for measuring performance. Developing such an agreement nails down what the broker will do and requires the insured to focus on the services they ...

... something, the sale comes much easier and faster. The biggest difference between a LU and a Torpedo isn't charisma or a friendly personality — but patience and discipline. Take two producers I know, one with 10 years experience and the other with 20. The producer with less experience is much more successful than the other, even though the more experienced salesperson is actually the better talker. However, because he lacks discipline he's always pursuing the next best thing (a new sale, a sales method, a sales tool, or target market) . This undisciplined approach prevents the producer from ever building a reputation as the go to' person with whom to do business, who has the answers — the person who will take care of their customers. The undisciplined producer never established a reputation that paved the way to easier sales. In fact, his reputation created more resistance, making sales go even more slowly — which led him to shift strategies even more readily. Other agents, co-workers, and customers have come up with such comments as John is a great guy but we can't depend on him. We never know how much he really knows and how much is just talk. Although we like John as our insurance guy, he didn't give us the right information because he's so unfocused that he never gains adequate expertise. The Torpedo, however, provided specific products to a specific market from day one and focused on how to be the best. As a result, he's built such a reputation that even his competitors now refer business to him. The patience to stick with a good plan and ...