https://completemarkets.com/Article/article-post/1324/GENERAL-CUSTOMER-QUESTIONNAIRE/
..._______________ Do you own any recreational vehicle such as a golf cart, snow...
https://completemarkets.com/Article/article-post/914/STRESS-IN-THE-WORKPLACE/
...nce and escape Hobbies and recreation Reading and music Emotion...stance Program is to identify problem areas and specific employee needs. The p...
https://completemarkets.com/Article/article-post/1520/GENERAL-OSHA-RECORDKEEPING-REQUIREMENTS/
...SIC's 75 and 76); Amusement and Recreation Services (SIC 79); and Health Servi...own OSHAs. Employers in the following areas should contact the state agency to...
https://completemarkets.com/company/CompleteMarkets/Articles/content-package/IMMS-Library/TabCategory/article-post/2218/WRITING-AND-CREATING-YOUR-AGENCYS-BUSINESS-PLAN/
... automation system and what can be done to improve agency productivity If you're uncomfortable with the idea of transactional filing, at least start using your automation system for all contacts and maintaining your customer files by "dropping the pieces of paper" rather than fully maintaining the file. If you have to rebuild something, all of the pieces of paper are together in one file and you can go back and recreate a daily copy from the data in the customer file. ADDITIONAL INFORMATION NEEDED Internal From inside your agency, compile these statistics: Overall written premium Overall gross commission income Mix of business Premium volume and mix of business by carrier Personal Lines/Commercial Lines ratio Total number of policies and total number of accounts Average commission generated by carrier and by coverage line Gross revenue per employee, including and excluding ... based on their knowledge and job function. The hardest part of planning is getting the process started. The good news is that all the tools you need to do excellent planning exist within your agency or are in easy reach. There's nothing exotic about planning. All you have to do is take the time to get organized. HOW TO START Begin the planning process by pulling together knowledge in these areas: Gather all relevant financial information from your automation system. That will probably include last year's financial data, plus year to date information from your accounting system. Evaluate your mix of business statistics, provided by the automation system. The key is to identify areas in which you have significant volume in both Personal Lines and Commercial Lines. Assess your competition. Who are they and what have they ...
https://completemarkets.com/Article/article-post/1322/DWELLING-REPLACEMENT-COST-FORM/
... Family or Recreation Room ...
https://completemarkets.com/Article/article-post/401/10-Steps-To-Overcome-Competition/
...urance policies, a few Boat and Recreational vehicle policies, and probably se...
https://completemarkets.com/Article/article-post/1224/HOMEOWNERS-RENEWAL-COVERAGE-INCREASE/
...in and Rodents 4. WHAT ABOUT RECREATIONAL VEHICLES AND WATERCRAFT? G...
https://completemarkets.com/Article/article-post/2218/WRITING-AND-CREATING-YOUR-AGENCYS-BUSINESS-PLAN/
...lling together knowledge in these areas: Gathe...to this point. Expand those targeted areas and then take the time to try some...
https://completemarkets.com/company/CompleteMarkets/Articles/content-package/IMMS-Library/TabCategory/article-post/401/10-Steps-To-Overcome-Competition/
... maybe not! Have you considered the individual insurance needs from Auto and Home to Life and Disability for each of those 45 employees, from the president on down, and their families? Making some general assumptions, that account might have a potential for 45 Auto policies covering about 100 vehicles, 20 Homeowners policies, 25 apartment dweller policies, 50 or more Life insurance policies, a few Boat and Recreational vehicle policies, and probably several more Commercial accounts from employees (or their spouses) who own or run businesses on the side. Each of the employees that you add to your book of business brings another element of growth by way of referrals- if you ask for them! This is a simplified scenario, but I think you have the idea. Maximizing goes well beyond account rounding or ... have been written on this topic, so let me pose just one simple question: What would happen if, in each and every contact, you treated the customer as if he or she were a potentially new and large account? 4. Focus On Your Niche. Every agency has a niche, sometimes two or three. If it is not a specific risk, it may be a geographical area. If this niche falls within your agency definition (Step 1), stick to it. Too many businesses fail from the grass is greener' syndrome: Just as you're beginning to make headway within a certain market segment or niche, you become obsessed with the opportunity presented by a new niche. This is not to recommend against expanding into new markets or niches; but do it wisely ...
https://completemarkets.com/company/CompleteMarkets/Articles/content-package/IMMS-Library/TabCategory/article-post/1850/THE-2011-ISO-HOMEOWNERS-NEW-AND-IMPROVED/
... (in most cases, the owner and resident of the home before the trust was established), rather than the name of the trust. • &# 160HO 06 07 Limited Coverage For Theft Of Personal Property Located In A Dwelling Under Construction Endorsement This new optional endorsement will provide limited coverage for theft of personal property in a dwelling under construction. • &# 160HO 24 13 Incidental Low Power Recreational Motor Vehicle Liability Coverage Endorsement ISO has reduced the coverage in this endorsement by adding motor scooters to the list of excluded vehicle types. Mary LaPorte, president of LaPorte Consulting (Martin, MI), offers expertise in agency management, workflow, and Errors and Omissions analysis. You can reach her at (269) 672-7801; e-mail: [email protected] ; or visit: www.lpinsuranceconsult.com . ... These clarifications avoid ambiguity. The policy enhancements outweigh the minor reductions in coverage, and provide agents with a stronger contract to address the customer's exposures more effectively Many of the changes do not affect coverage, but clarify policy wording. Those include the definition of "insured", the deductible provision and the "perils insured against" wording. In addition, some recent court decisions influenced changes in the areas of Collapse Coverage and Water Damage. These policy provisions have added wording to communicate the intent of the coverage more clearly and to eliminate any ambiguity. Here are some other changes: Changes that Reduce Coverage • &# 160Personal Property Located in Self-storage Facilities There's a 10% limit for personal property located in a self-storage facility. According to ISO, the increasing use of self-storage facilities during recent years ...