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...uct Liability (including products recall), Pollution Liability, Errors and Omi... current values. Protection of liability reserves from appropriation. Thi...

... to take the witness' deposition. Our office was retained to serve the deposition subpoena. The witness complained that he didn't have a way to get to the deposition. It was agreed that I would pick him up and drop him at the attorney's office. On arrival, I found the witness attired in a dress and spike heels. He told me that he thought it would help him to recall the accident more clearly if he wore the same clothes he had on the night he witnessed the accident. Q: I work in California and have often seen identification cards issued by the Department of Motor Vehicles. What can you tell me about these cards? A: The ID card consists of one letter and seven digits. Before 1990, they started with the letter U. From 1990 ... the postal inspector may be willing to try to help, especially if there's a suspicion that the mails were used by the claimant during the claims process. Q: Many of the dubious claims that come across my desk seem to be using the same attorneys and medical clinics. Do you know where an individual can obtain lists of questionable attorneys and clinics? A: Obviously, due to the tremendous liability potential, private companies won't publish a list of questionable attorneys and medical clinics. I recommend that you talk to adjusters and investigators to see what information they have developed. I've also been told that the NICB is keeping a database of attorneys and medical clinics amassed from all the files referred to it, and this information can be accessed by its members. Q: Just out of curiosity, ...

...Bridgestone/Firestone handled the recall of Firestone tires implicated in Ford...

...t he thought it would help him to recall the accident more clearly if he wore ...

...gents who worked in that era will recall, one common policy illustration sugge...ital account, but not count it as a liability (surplus relief). These and othe...

...ain in their mind by helping them recall a painful experience. Now you're read...nt if they'd like to increase their liability limits to $100,000, try storytel...

...n, product contamination, product recall, pollution, limited resource interdep...ns Directors and Officers legal liability Property and All Risk Coverage ...

... , agents can identify potential niche markets, find 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. 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. ... Group of York, Penn. CIGNA underwrites VFIS programs. The secret to any niche is to identify what people need and want, ' says Regnier. No one was doing that for volunteer fire departments over 20 years ago, 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, with some departments paying as little as $ ...

...contractor surety questionnaire,' recalls John Ward, one of two principals in ...rage because they involve no public liability, Everhart notes. Avoiding ar...

... process, the phone call to set the appointment. Use the language provided for this step under Action Step 3- Setting the Appointment' in the Sales and Marketing' section, or use this specialized language for Excess-Interest Whole Life products: Hi. My name is [NAME] and I'm with [AGENCY NAME] . Is this a convenient time to talk? [PROSPECT NAME], you may recall we sent you a letter recently explaining our agency's services and, in particular, a Life insurance product called Excess-Interest Whole Life. The purpose of my call is to arrange a convenient time when we [OR PRODUCER'S NAME] might meet. Are mornings or afternoons better for you? ' If your plan is to sell Excess-Interest Whole Life in a dominant-needs situation (one sales call, not two ... and providing quality service to both agents and policyholders. Service. What is the company's track record on servicing? Prompt, reliable client service is crucial to a good relationship between agent and client, client and company, and agent and company. The administrative support service should be good, as well. Financial strength. Evaluate the carrier's stability and reliability. Look at the carrier's ratio of surplus to liability, its ratings, interest rates, charges, loads, and surrender fees. Find out what interest rates are currently being paid on earlier generations of Excess-Interest Whole Life. Field support. Look for a company that will provide you with illustrations and marketing tools. Does the company offer software and training? Comprehensive products. The carrier should offer several different types of Life products, at the very ...