Search CompleteMarkets

... from an agent or broker upon premium payment than the delivery of a policy with its promise of protection: It is our goal to act as a risk management department for our clients. XXX & Company has always sought to supplement insurance company services and give its clients added value for the insurance dollars they pay. Certain minimum activities are necessary for such a program to function properly. XXX & Company performs several functions for its clients that will help them get the maximum benefit for their insurance dollars, doing much more than an annual analysis of exposure and values and recommendation of insurance coverages. Described below are services that XXX & Company performs in its role as an insurance agent and broker for (COMPANY NAME) Claims Handling Cameron M. Harris has a claims department staffed by 10 people. Our ... We carefully review your leases and other contracts to determine whether you should assume a particular exposure, and if you must assume it, how best to handle it. REGULARLY SCHEDULED MEETINGS The key people at our office and your office will meet on a regularly scheduled basis to review your plans and needs. PERSONAL INSURANCE DEPARTMENT This department of our agency offers clients cost-effective and well-designed personal auto, homeowners, boat, valuable items, and other types of personal policies. FINANCIAL SERVICES DEPARTMENT This department offers a full range of financial planning services, including life, health and disability insurance, assistance in the design of "buy-sell" agreements, and pension and profit-sharing plans. WORKERS COMPENSATION Coverage provided Coverage A: Workers Compensation Statutory Benefits Provided Coverage B: Employer's Liability Bodily Injury by Accident: $ Each Accident ...

...cess, who will be involved, and performance expectations for each one. Walk t...

...o job satisfaction and pride in performance, which in turn leads to a book of ...

... Most was actually good. Most professionals were. Some were even angels; a physician assistant (Patch Adams type) made rehab a treat. She has mastered the art of "putting the customer first" and touching hearts. One-on-one, she was as good as any customer service professional I've ever seen. Unfortunately, in a competitive marketplace where excellence is the baseline, customers soon forget the exceptional performers or take them for granted and remember only the bad players or experiences — the weakest link. A single bad event, player, or result can turn a heavenly experience into hell. Episode # 4 — The Mike Is Always Live. President Reagan's off-the-record, but on the air, comments about bombing the "commies" was cute in context, but incredibly stupid since it was being broadcast ... is wasted because it focuses on processes, rather than people. Great conversationalists don't talk: They listen and observe. As a customer, I don't want to know how smart you are, I want you to recognize and celebrate how smart I am. It's not about your ego; it's about mine. In all too many cases, I observed intelligent, highly trained medical professionals missing the communications boat by talking down to patients in language they didn't understand and at a pace they couldn't retain. The most effective communications occurred with the housekeeping staff and the bedpan operator — perhaps because these professionals had more time, less ego, and by the nature of their jobs made a more intimate connection with the patient. They were doing something for the patient, not to her. Perhaps the bedpan ...

... to be unaware of Life business written on its accounts, and to fail to get its proper share of the commissions on that business- and on referred and collateral business as well. Additionally, it's an E&O exposure. Searching for Life leads interferes with CSR and other operations. Too often, CSRs are given Life-prospecting chores. They might recite a written text, conduct a questionnaire, or perform other time-consuming tasks in an effort to identify Life-lead situations. CSRs often protest that they were not hired for Life prospecting, feel uncomfortable with it, and resent having to make up their lost P/C work. And many insureds object to being used' by CSRs to create calls from Life agents, which they usually don't want anyway. Life-prospecting interferes with P/C producers' work. ... When an auto accident, burglary, theft, or vandalism occurs, you're the third to know (after the police are informed) . If there's a fire, storm, or flood, you'll know. On the happier side, you're also among the first to know about the new car, the house expansion, new jewelry, fine arts acquisition, promotion, new baby or grandchild, new boat, vacation plans, or whether a child is going to college or getting married. These events involve P/C insurance, of course. They also provide excellent leads for Life insurance. Good or bad, big or small, they involve a change in financial condition, which, in turn, is exactly what Life agents seek: To identify changing needs and advise how their products may ...

... insurer's perspective, companies make an underwriting profit and make all of their money on investments. To make this money, they need volume, which requires agencies with large books. This gives agents the opportunity to earn more income from their lower-paying companies that will negotiate better deals in a variety of ways, such as providing a better contract, increasing commissions, supplying additional marketing support, or negotiating a performance bonus. However, many agents would never consider negotiating for additional compensation because they fear the company will pull out for rocking the boat. This is ridiculous paranoia. Companies need good agencies with large books to build their volume. They are not going to abandon a good agency or punish them for requesting more money. In fact, they will probably pay the agency more money if its request ... economic sense. The only catch is the agency owner has to ask! As Anthony Robbins says, "What's the key to getting anything in the world you want? ASK!" Recently I met with a large group of marketing representatives who agreed they would increase an agency's compensation if a solid case was made. Additionally, they all laughed when I asked if they would pull out of an agency just because the agency negotiated for more money. Marketing representatives don't get paid for running business off the books! As one rep recently confided, "We will always pay a good agency more than the standard amount if they ask. But they have to ask because that is the way we play the game!" I frequently hear of companies cutting premiums by $10,000, $ ...

... " This need usually arises during a merger or acquisition, in forming a new company, or in dealing with a dysfunctional business environment. Here are nine timeless principles that I employ in building teams: 1. The team comes first. Just ask the New England Patriots. All of us have seen sports teams loaded with superstars who fail to win the big games because they're more focused on individual performance than the collective effort. If a partner or team member has a "me first" attitude, they can work elsewhere. This team stuff isn't for everyone. 2. Engage in win/win thinking. Whether for good or bad, right or wrong, Americans are so competitive by nature that winning at all cost seems to be a perfectly acceptable mantra — sucking energy from others so ... you can succeed is simply the nature of business. Not so if you want to have an effective team! Remember: "A rising tide floats all boats." In his eye-opening book, The Case Against Competition, Alfred Cohen points out that when it comes to teams, we should focus on cooperation, not competition. We can compete against those outside the team, but certainly not within it. Again, this doesn't mean that all team members have all the same responsibilities or the same compensation structures; it does mean that they should receive equal, and respectful, treatment. After all, they're teammates! 3. Be clear up front about your commitments. Assuming that everyone will follow team rules is guaranteed to produce failure and resentment. For example, if you've played team sports ...

...y’re more focused on individual performance than the collective effort. If a p...! Remember: “A rising tide floats all boats.” In his eye-opening book, The Cas...

...u can use to improve your sales performance during the hard market (or, for th...

...rier can insure commercial fishing boats if you are in Iowa. Corollary 2 - If...