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...list for employment practices or pollution. This is a way to be very creative ... such as an employment practices or pollution checklist with a fax response/re...

... Facilitates compliance with air pollution and trip-reduction regulations. The...vertime, require them to obtain their supervisor's permission before doing so....

... , before Art Glatfelter went to bat for them. VFIS writes all lines of business except workers' compensation' for volunteer fire departments and emergency service organizations. Available coverages include injury-to-firemen liability, accident and sickness, vehicle agreed value for engines, errors and omissions liability, pollution liability, medical malpractice, bonding and others. VFIS currently insures more than 500 Texas volunteer fire departments and emergency service organizations, Regnier says, primarily in Houston , Dallas and San Antonio/Austin regions. The average premium is about $9 ,000, ... controller from a construction firm office up the street walked in and asked if we had a contractor surety questionnaire, ' recalls John Ward, one of two principals in the family-owned business. The contractor had messed up the form provided by an out-of-town agent and needed a clean version to fill out. I said I could provide the same service for him locally, ' says Ward. We had never done surety bonds before and I thought it would be like writing a fire policy. It was a real learning experience. Today, due ... interested carriers, launch their own programs-and kiss competition good-bye. Open Doors For Ward Insurance Agency of Gatesville, opportunity did more than just knock. It walked in the front door and asked for an application. In about 1980, a controller from a construction firm office up the street walked in and asked if we had a contractor surety questionnaire, ' recalls John Ward, one of two principals in the family-owned business. The contractor had messed up the form provided by an out-of-town agent and needed a clean version to fill out. ...

... an association offers ways to approach a group. Consider sending a tip sheet' or an unsolicited newsletter or information item to the association's office for insertion in the association newsletter. Offer some free service to the association membership, such as a checklist for employment practices or pollution. This is a way to be very creative and contact a lot of people for very little cost. 5. Faxed solicitations, in my opinion, should be primarily a service to the prospect, such as an employment practices or pollution checklist with a fax ... to generate some cash flow. Most distressed agencies also have receivables and debt service problems. Why not write an agency credit policy and start enforcing it today? Immediately start collecting the oldest receivables, and make collections an integral part of the activities every day until you've cleaned them up. By enforcing your credit policy, you will be able to keep them under control long term. Many troubled agencies use trust money payable in the near future to pay their current expenses. The wrong set of circumstances can get the agency in trouble ... . With long-term negative cash flow, the agency is a candidate for failure. By controlling receivables, the agency can gradually move toward positive cash flow and begin to market aggressively. Once the agency has positive cash flow and can demonstrate fiscal responsibility, it should be able to renegotiate better terms for debt service requirements. You cannot borrow your way to financial stability. Borrowing is only a short-term strategy to be used to take advantage of opportunities that occur along the way. This represents only a small portion of the activities required to ...

... errors and omissions liability, pollution liability, medical malpractice, bon... says. 'We think this will let us pick up a few of the fire departments and em...