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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...

...physical use. Address indoor pollution problems through proper ventilation...

... dropping off a brochure. 4. For a distressed agency, a seminar type of meeting might not be economically feasible. However, 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 response/request form attached. You can always add a byline that identifies you as a restaurant specialist with broad coverage and low rates ... put it all into play. Some of your choices will include: 1. Direct mail with a telephone follow-up 2. Cold calls by the producer 3. Direct telephone solicitation by the producer or sales center 4. Group approach: through an association meeting or by an invitational seminar presentation 5. Fax solicitation You may already know which method will work best in your area. I recommend that you test the two or three that seem most viable and affordable, and that you consider the following: 1. If you select direct mail, do not mail more at one time than you will be able to follow up with a call. Call within three days of mailing. If you don't call them, you're wasting money on this program. Make every call an information-gathering activity, as well ...

... credibility.) It provides an excellent training tool for less experienced staff and a quick method for senior staff people to review the work output of those under them. These advantages save time and permit you to have your most technically competent people use their time and experience in the best way. Another area that should be discussed with respect to renewals is restrictive endorsements. A case in point is the pollution exclusion, which has evolved from the 1960s versions of the General Liability policies, in three main phases over the years: No contamination or pollution exclusion Accidental contamination or pollution coverage only (no occurrence coverage, with accident generally defined as a sudden and unforeseen event causing damage) Total exclusion on all contamination and pollution Even though most carriers stamped the policy, added cover notes, or otherwise highlighted ... the problem with a loss settlement if they fail to report. If that doesn't take care of the situation, have a CSR call to check on the report. Because the process is somewhat complicated, an improperly insured loss will be easy for a plaintiff attorney to use against you. The carrier isn't likely to step in and help. Thus you will be putting your E&O to the test. The plaintiff attorney will undoubtedly make the case that you failed to explain the coverage properly or to follow up to inform the insured of the consequences. Since 9-11, Property forms have been under the microscope. The second area — reports that come in with values higher than the provisional amount — also requires action on your part. Any time that the values exceed the provisional amount, contact ...

...rsements. A case in point is the pollution exclusion, which has evolved from t...sponsible for the contamination and pollution loss cleanup might not be the pe...