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...r our purposes, 'good' means a professional who knows the products, can identi... of the P/C relationship, for the professional liability topic is a hot button that often...

... a victim? According to Burnham, thousands of successful public and private corporations of all types and sizes have benefited from these "best practices" for hiring: ALTERNATIVE HIRING PROCEDURES With today's low unemployment rate, newspaper ads generally don't attract the best applicants. Consider alternative recruiting sources, such as trade and vocational schools, community colleges, and local universities for recent graduates who are highly motivated and willing to learn. Also look into these options: Employees with excellent performance records often have friends and relatives with similar traits. Laid-off workers ... law firms that have expertise in employment litigation. EPL insurers are likely to offer the most favorable rates to clients who implement best practices hiring policies. Marcus Covas is editor of riskVue, a free monthly online magazine from Warren, McVeigh & Griffin for risk and insurance professionals. Login or Register (for FREE) to gain access to thousands of other great articles. Need more reasons to join? Need insurance for you, your business or your family? Get quality appointments - Save yourself a whole lot of time & money when ... nation. Companies are experiencing an explosion of employment-related claims based on sexual harassment and discrimination, wrongful termination and a host of other human resources issues," says Beth Schroeder, an employment law attorney and co-author of The EPL Book: The Practical Guide to Employment Practices Liability and Insurance. Sound employment practices are no longer a guarantee against employment practices liability. You need to keep up with ever-changing employment laws, Shroeder says. So how can you avoid hiring a victim? According to Burnham, thousands of successful public and private corporations ...

...sufficient premium volume, and professionally management, the cluster offers a... Encompass their goals in a professionally managed profit center, organi...

...nt, if reviewed by a competent professional. And this is only the first step. ...ot everyone will have a Property or Liability claim (we hope!). But each will ...

...learning new products (Packages, Liability, etc.) or to team with a partner on...

...reatest potential for employment liability. An employer should develop and fol...

... you must be prepared to act on them. If you aren't, don't ask! The goals you set at this level become your staff's objectives, and their ideas become their action plans. Personnel Planning and Development Personnel planning should address three areas: Management succession Producer recruiting and development Support staff training and development Companies and agency associations produce many articles on these subjects, so there's no need to replicate them here. What I want to get across is the concept of continual improvement. Every employee should have a personal development plan that's ... carriers, wholesalers and service providers. Negotiate lucrative contracts with carriers and wholesalers. Net result. More revenue for your agency! Clients & Prospects will research you, your co-workers and your agency here. The most comprehensive online insurance industry reference library for - Personal Lines Professionals Commercial Lines Professionals Life/Health & Benefits Professionals Online newsletters and content that you can use for your clients and social media efforts. Ability to attach leads and clients to your specific market searches, with e-mail alerts for all the market, articles, blogs and ... collect on old exposures is difficult for everyone, and large surprise audits often destroy agency-client relations. Accounting should track the cash ratio and quick ratio accounting and report to management if they exceed a predetermined level. If cash and accounts receivable get out of balance with current liabilities, management should step in to get one or the other in line. Efficiency Ratios Efficiency ratios are the responsibility of everyone and should be tracked and reviewed quarterly. Expense ratio, office cost per policy, sales cost per policy, commission per employee, commission ...

... The California Telecommuting Pilot Program found that telecommuting helped the employer retain the services of mothers during maternity leaves. Reduces worker stress. Telecommuters in the California program generally experienced more positive changes in their personal and work relationships than did the members of the control group. Helps recruitment of in-demand workers. Telecommuting removes geographical barriers - you can hire the most qualified workers, no matter where they're located. And as more companies permit telecommuting, you'll probably find that offering telecommuting becomes a competitive necessity. May reduce the cost of disability leave. ... often continue to work. If telecommuters must access information on company computer networks, you may want to consider having a backup network offsite. RISKS Telecommuting isn't for everyone. Certain jobs lend themselves to telecommuting. Information workers are an obvious choice; manufacturing workers aren't. Professionals comprised the majority (72%) of telecommuters in the California program. In this program, jobs ranged from accountants to researchers and included administrative law judges, lawyers, policy analysts, and appraisers. Where professional or skilled workers are represented by a union, ... But what about works created on the employee's own time? What if the telecommuter doesn't have fixed hours? Prevent such questions from becoming problems by detailing telecommuters' responsibilities, the projects they are to work on, and the company's ownership interest in these projects. Avoid liability exposures. Regarding business visitors, the standard Commercial General Liability policy covers the company when it's responsible for injury to third parties. This coverage should apply even to injuries that occur at a telecommuter's home office. But as a practical matter, you may want to ...

... manufacturing workers aren't. Professionals comprised the majority (72%) of t...xpose the company to potential FLSA liability. If a nonexempt employee needs t...

... Highway Patrol. A second type of staged collision is called a paper accident, ' and can be accomplished in different ways. In some cases, two people with their own vehicles conspire to report that they were involved in an accident together. Usually a capper has recruited these individuals and orchestrates the accident. One driver, usually the insured, will be at fault and will claim liability for hitting the other vehicle. The criminals commonly refer to the insured vehicle as the bull car' or the hammer'; the claimant car is ... , making record keeping a necessity. Records may include: Insurance and claim documents Documents with names, addresses, telephone numbers Documents listing the who, what, where, and when of a claim, including diagrams of alleged accidents Suspects often possess business cards of the professionals dealing with the claims. The doctors and attorneys to whom capped cases are referred also keep some type of record as to who referred the cases and how much was paid for the referral. Often the name of the capper is written somewhere in the patient or ... folder. Records of capping or referral-fee payments are often found in a separate book, notepad, or journal (called capping ledgers') kept by the suspected doctor or attorney. I've found that when suspect cappers, doctors, and attorneys keep records of capping payments, they're often disguised as investigative costs or other professional services. In my experience, these records are often kept on computer, especially in doctors' and attorneys' offices. They may be protected by computer encryption or password. It's also possible to hide a file ...