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... work tasks. Administrative Controls: Strength testing of existing workers; one study showed that discouraging the assignment of workers to jobs that exceed their strength capabilities can prevent up to one-third of work-related injuries Training employees to employ lifting techniques that place minimum stress on the lower back Physical conditioning or stretching programs to reduce the risk of muscle strain Engineering Controls: Reduction in the size or weight of the object lifted. The parameters include maximum allowable weights for a given set of task requirements, the compactness of a package, the presence of handles ... injuries could be prevented through better job design (ergonomics) . Other factors include frequency of lifting, duration of lifting activities, and type of lifting, as well as individual variables such as age, sex, body size, state of health, and general physical fitness. Rules for Lifting 1. Size up the load; observe the position of the load. 2. Carefully look around for any surrounding hazards. 3. If you need help, GET IT. 4. Stand as close to the load as possible. ... Lower the object slowly. Keep the object as close to your body as possible. Watch out for any protrusions. Rules for Carrying 1. Keep your back as straight as possible. 2. Keep the load as close to your body as possible. 3. Center the load over your pelvis. 4. Put the load down by bending at the hips and knees with your back straight. 5. If the load is too heavy, GET HELP. 6. If more than one person is carrying the load, allow ...

...elping employees to maintain the physical strength, emotional stability, and ...eeting goals? e.g., cost sharing of fitness club membership, ergonomically de...

...e as they could be? Should we be physically presenting the risks to the underw...

...ance companies. Physical description of the agency, includin...

...type of job is often ideal for a physically handicapped person. In short, you...

... , allow each agency to retain its own name, or create a new name? In general there are two forms: the cluster takes on one image and operates under one name, or operations are consolidated, but each agency retains its own identity. Equipment and physical facilities-Agencies in a cluster usually operate from one facility. Those that do not usually have one central location in which computer facilities and some personnel are located. Such items as computer equipment are generally shared, as well. Advertising-When a cluster has a single name and ... it is the sharing of markets that provides clusters with their biggest advantage.) If so, which carriers presently exist, and are you accepting any new carriers? 3. What staff, equipment, and so on are expected of you? Where would your staff fit in? If the cluster consolidates a lot of activities, many of your staff may be unnecessary. You will need to determine how you feel about that. 4. How much control does the cluster have over books of business? Are there growth limitations/ ... ? 5. What arrangements are made for retirement plans? Are perpetuation plans in place for all participating agencies? 6. What is the cluster's business philosophy? For example, what is its goal growth, specialization, and so on? 7. What are the major functions the cluster would expect of your agency? 8. How is cluster-generated business allocated? 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 ...

... that the cash flow is sufficient to buy out the existing principal(s )? PERPETUATION ALTERNATIVES One of the mission statements is to preserve the value of the agency through a perpetuation plan that is committed to writing. The problem confronting the principal is not necessarily the physical continuance of the firm, but preserving the value of the agency for owners. There are a limited number of alternatives available to agency owners (with regard to the firm) at death, retirement, or termination. The choices are as follows: Abandonment Will ... progress that can be made toward the paperless agency of the future. The agency that has thought through where it is going and how it is going to get there through automation is an attractive candidate for a company. MARKETING PLAN The marketing plan should be tailored to fit the individual agency, the companies it represents, and the public it serves. To develop a large Commercial marketing plan when the agency is located in a bedroom community representing a Personal Lines carrier would be foolish. The marketing plan should state the agency's/brokerage's ... they tend to back away. Consequently, even those agencies that think internal perpetuation is for them should be prepared to seek an external sale. EXTERNAL SALE The prospects that are available to the agency principal for an external sale are not endless. Such a sale basically centers around someone attempting to enter the agency business: a major broker or a local competitor. Someone New: There are a number of people outside of the agency business who would like to be in a wonderful and easy' business. It is not likely that ...

...n identity. Equipment and physical facilities-Agencies in a cluster usu...

...principal is not necessarily the physical continuance of the firm, but preserv...e not endless. Such a sale basically centers around someone attempting to ente...

...on. Clients who have specialized physical skills, such as surgeons, should be ...