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... 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 ...

...l Guide to Employment Practices Liability and Insurance. Sound employment pra...nsurers offer Employment Practices Liability (EPL) insurance, which provides ...

...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 ...

...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 ...

... 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 ...

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

...nt the applicants to work with professionals in the higher-income markets of y...

... each carrier Determination of appointment of new carriers Determination of termination of existing carriers Development of a system to investigate each prospective agency/agent who applies to the cluster to become a member Perpetuation planning/funding with appropriate documents defining terms Personnel staffing and training of service representatives Recruiting, screening, and compensation of additional producers &# 160 These are not the only areas where task forcing may be employed, but they represent, in my opinion, the basic areas most likely to cause concern-and friction. &# 160 WAVE OF THE FUTURE ... Agency cluster is an organizational structure with the legal standing of either a C corporation, S corporation, Limited Liability company, or partnership, whose purpose is to provide a single point of contact for insurance carriers. With selected product lines, sufficient premium volume, and professionally management, the cluster offers agency members economies of scale that allow them to attain their desired goals successfully. &# 160 WHY CLUSTER NOW? &# 160 Recently, I've received several referrals directly related to clustering, from IMMS Chairman George Nordhaus and from my ... benefit for the collective good. Although branches tied together' may be a simplistic example, cumulative strength is the desired goal. &# 160 An Independent Insurance Agency cluster is an organizational structure with the legal standing of either a C corporation, S corporation, Limited Liability company, or partnership, whose purpose is to provide a single point of contact for insurance carriers. With selected product lines, sufficient premium volume, and professionally management, the cluster offers agency members economies of scale that allow them to attain their desired goals successfully ...

... 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 ...