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...ication program is available 5. Physical and health hazards and specific prot...ors, and fit testing Eye wash facilities and showers Noise protectio...

...uldn't be in front of the client physically, they couldn't risk losing a sale ...e lack of intimacy in a call versus physical visits. Few agencies have given t...

... provide a clue to the extent of physical damage. While there are several con...ied person takes charge, or you are physically unable to continue. If he must ...

... , 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/ ... as prospecting, solicitation, applications, quoting, rating, and placement can be simplified. As part of a larger entity, a member agency may be able to take advantage of carrier-sponsored direct billing, rating software, computer applications, technical support, and risk management facilities that make account placement and retention much easier. Office supplies can also be purchased in greater quantities at less cost. Perpetuation planning-Few agency principals have made any plans for the future of their agencies. A cluster can provide the means for principals to dispose of their ...

...n identity. Equipment and physical facilities-Agencies in a cluster usually opera...central location in which computer facilities and some personnel are located. ...

... putting out fires, ' moving books of business to restrictive markets, etc. You might even be able to start enjoying the insurance business again! With that in mind, here are a few important general sections that should be included in a profile: 1. Physical agency information, such as name, addresses (mail and location), telephone and fax numbers, and names and specific information about principals. 2. Agency-staffing information, describing the positions, duties, and experience of each staff member. 3. Production information ... simplified version available for discussion. The profile is a giant step in preparing a formal, written business plan. No agency is too small to have one! Because everyone likes to associate with a winner, we all should be able to demonstrate on paper that we fit that description. A sample profile is included. You may wish to print a hard copy so you can refer to it as you follow this narrative. The first section in our profile provides/asks for basic information about the agency, which does not need ... on you by any of your existing carriers-a very important subject. It might seem to be negative, but often mitigating circumstances cause the problem through no fault of the agency. This would include any account payment problems you have had with any carrier. Carriers have reporting facilities in place and exchange this information. By taking the initiative and addressing this issue up front, you won't be on the defensive. Bringing the situation up yourself will allow you the opportunity to explain it on your own terms. Item No. 9: Provide ...

... be included in a profile: 1. Physical agency information, such as name, ad...y carrier. Carriers have reporting facilities in place and exchange this infor...