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... weak in an area or two, ask for advice from other agents, take continuing education courses, and learn on the job. CONTRACTS: GET IT IN WRITING! When using a consultant, always insist on a contract that spells out the areas you wish to have addressed. Most agency owners are uncomfortable with contracts and often want to go forward with just a handshake. Contracts are like life preservers: You'll be happy they're there when you need them — and you will need contracts if you expect to receive the guidance you're seeking. When a consultant delivers what they thought you wanted, but wasn't what you expected, disputes can arise. To avoid this problem, make sure that the contract spells out the understanding between you and your consultant. PERCEPTION BECOMES REALITY Business owners are often surprised ... ' problems and offer solutions. However, it's a different story when it comes to execution : providing clients with a comprehensive implementation schedule with a detailed timeline. Consultants who can deliver this third step are the cream of the crop. This article focuses on the basics of nurturing the agent-consultant relation to the benefit of both parties. GOAL-SETTING 101 In my consulting practice, I've never found any two agencies organized, managed, or operated alike. However, I have learned that every agency owner or principal should give the consultant the major objectives that they need to have addressed. The consultant's job is to ferret out problem areas, develop solutions, and make recommendations that meet the client's (your) objectives. In many cases, principals get so involved in the day-to-day running of their agencies that they ...

... try to get help for employees who have drug problems without pointing a finger at them, ' he said. D.G. Beyer also uses post-accident testing, which is administered any time an on-the-job accident requires medical attention for the employee involved. Employees testing positive are referred to an Employee Assistance Program (EAP) . If the employee follows the treatment recommendations of the EAP, his/her job is preserved. However, the employee is then randomly tested over the course of the next 12 months in an effort to monitor compliance. Our accident rate is way down because of drug testing, ' said Burazin. He recalled that in a three-year period, the company experienced a drastic increase in the number of lost-time injuries. Company records show that before the program in one year, it had as ... Marine Managers USG Insurance Services, Inc. NIF Group Inc. PRS High Hazard/High Risk Workers' Compensation Business Insurance Insurance for Individuals and Families Personal Finance Search Titles only Search author Search Titles and content Show Results Loading.. Similar Articles Sample Telemarketing Scripts Cross-Sell Letter Commercial Lines Prospecting Letter Dress For Success' – The Hidden Bias In The Job Interview Change Or Die! ' The Culture Of Your Organization Content Packages This article is part of the IMMS Library , which contains more than 2451 documents published by industry-leading authors. (Hidden) Categories Benefits & Financial Services (53) Commercial Lines (93) Communications (629) Customer Service (530) Financial/Accounting (314) General Articles (572) Human Resources (652) Insurance Careers (36) Legal and E&O ( ...

... earning, driving the personal savings rate into the negative zone. But unlike the 1930s, when hard times put savings out of reach for many Americans, the new outbreak of consumer mania and credit card usage reflects an ebullient stock market that has made people feel wealthier and more willing to trade in their tomorrow for today. Thanks to the stock market, consumers have played a pivotal-and increasingly precarious-role in preserving the economic expansion that's in its ninth year despite economic shock waves from overseas. Although consumer confidence has fallen every month since June 1998, many Americans remain optimistic enough to spend all their wages and then some. What it says, basically, is that Americans love spending money-whether they have it or not, ' says David Wyss, chief economist with Standard & Poor's. However, with the ... loan, agencies must complete a one-day training program and be granted a TFC agreement. Independent agencies really don't need to join em. They will indeed beat em' by continuing to take the high ground (working in their clients' interest), defend their long-held position, and strengthen their arsenal of unique new products. Patty Vaughn is president of Patty Vaughn & Associates, Inc., a consulting organization dedicated to assisting agencies with business planning, developing unique marketing and sales campaigns, and offering employee-based ( 'bottom up') compensation software for the creation of activities and results-based compensation programs. Patty can be reached at Patty Vaughn & Associates, Inc., 5873 North McCall Ave., P.O. Box 1167, Clovis, CA 93613-1167, (800) 256-0870, fax (559) ...

... The environmental restraints intended to protect the weak reduce them to the lowest common denominator. In the long run, the pack as a whole becomes so weak — so average — that it's vulnerable to new predators who haven't been softened by the protection of a special interest. When these marauders attack, they quickly consume the dumb, fat, and happy, as they roam free in their carefully legislated preserve. For example, Ford Motor Co. recently announced that it's cutting 35,000 jobs (leaving behind those who can't keep up with their now average' pack) . This results partly from systems structured for the special interest of unions and employees, and executives who are extracting from an entity more than the market is willing to pay. Likewise, the Japanese economy has gone in the ... LIG Marine Managers USG Insurance Services, Inc. NIF Group Inc. PRS High Hazard/High Risk Workers' Compensation Business Insurance Insurance for Individuals and Families Personal Finance Search Titles only Search author Search Titles and content Show Results Loading.. Similar Articles Let's Talk About Agency Procedures Again Dedicated' Agency Management Ethics Is What You Do When No One's Looking' Change Or Die! ' The Culture Of Your Organization You Can't Get There From Here! ' - A New Map For Future Success Content Packages This article is part of the IMMS Library , which contains more than 2451 documents published by industry-leading authors. (Hidden) Categories Benefits & Financial Services (53) Commercial Lines (93) Communications (629) Customer Service (530) Financial/Accounting (314) General Articles (572) Human ...

... etching agents, Fiberglas, flammables, foaming resins, fuels, fungicides, gasoline, glues, greases, industrial oils, inks, insecticides, herbicides, janitorial supplies, kerosene, lacquers, lead, lye, oxalic acid, paints, pesticides, plastics, process chemicals, resins, sealers, shellacs, solders, solvents, strippers, surfactants, thinners, varnishes, water treatments, and wood preservatives. CHEMICAL SAFETY RULES: C-H-E-M-S C -Check it out 1. Do not handle or use hazardous materials you are not familiar with. 2. Always read, understand, and follow instructions on the label. 3. Know where to find Material Safety Data Sheets (MSDSs) on all hazardous materials. 4. Understand standard operating procedures that have been established for handling and cleaning up of chemical ... employees and others 9. Inform employees of protective measures for hazardous materials 10. Train and alert employees to ALL forms of warning that may be used In many cases, response practices and emergency action drills are appropriate. If you need a written Hazard Communication Program, you might consider SIC's Individualized Workplace Safety and Hazard Communication Manual. This is a comprehensive written program with all needed forms individualized for your organization. The cost is $198. Call SIC at (310) 454-2100 for additional information. HAZARD COMMUNICATION PROGRAM COMPONENTS Employers are required to know the provisions of the Hazard Communication Standard and inform employees of the law and their rights under the law. Effective hazard communication programs are carefully documented and supported by management, supervisors, and employees. They should emphasize: 1. Identification of potential problems ...

...red by mergers or some other reorganizations, but the tax will be paid if the ...