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...m, or to inform risk-management consultants.) SAFETY INSPECTIONS This ch...lished monthly by System Interface Consultants, Inc. (ISSN 1066-8101), 17440 R...

...es the establishment of internal security procedures, which should include: ...nd independent contractors. Security codes or barriers in the company’...

...he leader include Dream Catcher, Security Guard, Organizational Archi...ailable?   SECURITY GUARD   ...

...tisan and specialty contractors, security guards, general contractors that do resident...

... have little control of how the buyer will act toward their employees and their clients. They also expect the buyer to bring such strengths as a better staff, extensive experience in similar markets, and strong relationships with carriers (both existing and new ones) that will secure the retired owner's financial future even better because of the options that the new owner brings to the table. "Most new, and small, agents who contact us with dreams of acquiring their way into agency management fail to understand that it isn't just money that ... your own firm." We don't want or expect to negate the desires of agents to acquire agencies. But their reasons for doing so, even more than their financial or sales ability, will determine their chances of success. E Al Diamond is president of Agency Consulting Group, Inc., 507 North Kings Hwy., C., Cherry Hill, NJ 08034. You can reach him at (856) 779-2430, (800) 779-2430, toll free, fax (856) 779-6224, e-mail [email protected] ... to pull the trigger. He just had time to feel the hot breath of the bull elephant behind him before the beast crushed him underfoot. "The moral of the story: Although skill, knowledge, and desire are important — nothing beats experience, and someone guarding your back. "You're young, smart, probably aggressive and talented and have hooked up with a fine firm. But don't mistake the financial wherewithal and a good start for the knowledge base learned from years of experience when it comes to buying and running an ...

...he toxins from the workplace Security Guard — protects the vision, values,...

...ing a social experiment. If your security guard isn’t watching your employees ...

... or understand all of your policies, it's also reasonable to believe that you should be at least somewhat familiar with some of the most critical documents in your life. After all, Life insurance policies protect your most valuable assets including your income and provide for the financial security of your beneficiaries even after your death. That's why story # 3 above disturbs me. Three in five people (60%) who own Life insurance know very little about this valuable property. They can't blame this lack of knowledge on the policy language because ... We'll need to be satisfied with the latter because I don't think that many state regulators will approve over-simplified policies even though there's a movement toward plain language policies which might be a compromise. I share with you the agonies of reading complex policies. As an agent and consultant, I need to wrestle with their intricacies and shadings and try to explain them; and, as an expert witness, I need to offer these explanations to judge and jury. Still, as an insurance buyer like you, I feel far more comfortable knowing ... at least) you should feel that you've mastered it. Avoiding agents This might involve wanting to avoid dealing with such technicalities as policy language, why premiums differ among similar-looking policies, agents' explanations of policy terms, having to evaluate what agents are saying, and guarding against abuse if you don't know the agent. Although these feelings are understandable, you can overcome them by reaching for a comfort level of feeling and then knowing that your agent is putting your interests above all else, is competent and able to deliver far more value ...

... unavailable later, or rationed. 4. Board up storefronts, doors, windows, and other vulnerable places that can be damaged. 5. Pack durable clothing. (The following is one of the most important loss prevention steps anyone can take.) 6. Secure or bring inside all tools, lawn furniture, etc. that can: (a ) become projectiles in a windstorm; and/or (b ) be destroyed by the storm. What to Do After a Catastrophe l. Get in contact with your agent ... address. 2. Make only those repairs necessary to prevent further damage to your home or business. This must include covering breaks in a roof, wall, or windows with plywood, canvas, or other waterproof material. Do not have permanent repairs made without first consulting your agent. Unauthorized repairs may not be reimbursed. 3. Wait for an insurance adjuster to arrive to appraise your damage. Following a catastrophe, insurance companies schedule adjusters so that the most serious losses get priority treatment. Those policyholders are the most in need ... majority of our claims were in personal lines, resulting from felled trees, high winds that stripped shingles from roofs and flooding from drenching rains. There has been no preparation for the disaster, other than bringing things like yard furniture inside. So everyone was caught off guard by the severity of the storm. However, one of our carriers, Auto-Owners Insurance Co. had the presence of mind before the storm struck to ship us pre-completed computerized claim forms for each of its policyholders at our agency. They were in alphabetical order, ...