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... rain, hail, and (to a lesser extent) lightning strikes. All important electrical devices should be connected to surge protectors. Install UPS (Uninterruptable Power Supply) units for critical equipment in which the loss of power may result in a loss of important information or equipment damage. Even with appropriate electrical-protection equipment in place, it may still make sense to power down and disconnect electrical equipment before a severe thunderstorm strikes. Electrical wires as well as any electricity-conducting materials should not be touched during a thunderstorm. As with tornadoes, safety measures are critically important for businesses that have employees in outdoor areas. When atmospheric conditions are favorable for thunderstorm development, someone should be assigned to monitor weather reports and weather conditions. When thunderstorms are occurring or are about to occur, discontinue outdoor activities and seek shelter. Note that lightning strikes often precede the actual thunderstorm, and should signal the need for precautions. If lightning threatens your area, take cover inside a home or building. Avoid water fixtures, telephone lines, and any electricity-conducting materials. Because motor vehicles are supported on rubber tires (an effective electric insulator), they are generally safe from lightning strikes. If you are outside and unable to reach a safe shelter, apply the following rules: In an open area, go to the nearest ditch or ravine and drop to your knees (be alert to the possibility of flash flooding) . Do not: stand in an open area stand underneath a tall tree (especially one located in an isolated area) seek shelter in a small structure in an open area Other advice includes: ...

... and brokers sell the financial protection their companies offer. Some agencies operate under the guise that they are just selling insurance policies. It is up to marketing managers to elevate the status of the insurance industry in the minds of agents. Insurance is a profession, not just a job or service. For agents to adopt this philosophy, they must have a thorough understanding of fundamental principles: the provision of financial security and protection. This view can be compared to Maslow's Hierarchy of human needs. Maslow theorized that after each human need is met, a new one can be satisfied. He used a pyramid to illustrate the concept. Air and water are the foundation of the pyramid; after a human attains these necessities, the needs at the next level of the pyramid, such as food and shelter, can be pursued. Protection and security are slotted into one of the mid-levels of the pyramid. Why? Because once a human has achieved food, shelter, and other advanced necessities, these things must be protected and secured. Therefore, protection and security are among basic human needs. WHY THEY ARE IN THE BUSINESS Insurance protects basic human needs, and it provides a comfortable living for those who sell it. Agents help fellow human beings while helping themselves. HOW TO BUILD IT There are four stages to building business. They are: 1. Sell more present coverage to present customers. 2. Sell new coverage to present customers. 3. Sell present coverage to new customers. 4. Sell new coverage to new customers. As a marketing manager dealing with heavy competition from ...

...ojects, such as battered women's shelters or AIDS programs. These causes appea...ile rain forests, AIDS, or homeless shelters may not be your favorite causes, ...

... x No Thanks Loading.. Disability/Homeowners 4/30/2013 by CompleteMarkets Editor This content has not been rated yet. DISABILITY/HOMEOWNERS Dear (Customer Name): Your family depends on you. You provide them with food, shelter, and all the comforts of life. But what if you were not able to do so? How would they get by? Who would pay the bills - the mortgage? The statistics are clear: 1. The average homeowner has a one-in-four chance of dying before a 30-year mortgage is retired. 2. That same homeowner is three times more likely to be disabled for an average of five years than he or she is to die during the term of the mortgage. That average' homeowner could be you or I. If these facts are as disturbing to you as they were to me when I learned them, stop by or give me a call. (Your Agency Name) can help you protect your family's security. I will be happy to explain how you can insure your most valuable asset - your earning power. Sincerely, 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 you use our directory of 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 ...

... content has not been rated yet. Jack Burke 4/30/2013 12:00:00 AM SIGNS OF INFLUENCE by Jack Burke Is a sign just a sign or can it be more? Shave proved that signs can become attention-getting entertainment too! In this light.. All Articles by Jack Burke Comments (0 ) The Abcs Of Marketing This content has not been rated yet. CompleteMarkets Editor , Jack Fries 4/30/2013 12:00:00 AM We've all heard that the essence of marketing is to find a need and fill it. Well, unless you have deep pockets or know exactly what the world needs, your marketing efforts will yield a better response if you follow this formula instead: Find a want and fill it. Most of us have enough food, shelter, clothing, and transportation-we don't need much more. But we want more. We need food, but we want fast foods, diet foods, or gourmet foods. Most of us don't need a 2 1/2-bath home or expensive designer clothes, but we want them. We may need a car, but we want a Lexus or a BMW. All Articles by CompleteMarkets Editor Comments (0 ) x No Thanks Loading.. Loading.. x No Thanks Loading.. ...

... stacks. Take some time and browse through our library. We have thousands of articles, checklists, tip sheets, sales letters, and more! Communications Marketing Customer Service Planning Finance/Accounting Risk Management Human Resources Selling Legal and E&O Technology Life/Financial Services Glossaries Management Resources & Links Categories Popular Recent All Back A Christmas Contribution 4/30/2013 10:38:40 PM by CompleteMarkets Editor This content has not been rated yet. A CHRISTMAS CONTRIBUTION Clients appreciate receiving Christmas cards and letters. It's nice to know that someone out there cares and wants to be remembered. Several years ago, IMMS received a memorable Christmas letter from Consumer Marketing Inc. of Los Angeles, reproduced below. Your agency's favorite charity might be a children's hospital, the Salvation Army, a homeless shelter, or any of the thousands of other charities that need help. So this year, why not make a donation to a charity in your clients' names, then send a similar letter? Your clients will remember you. Dear (Customer Name), CHRISTMAS IS FOR KIDS! With this in mind, as in years past, we thought we would do something that would have a lasting benefit for children who are not as fortunate as we are during the holiday season. Since the Children's Hospital of Los Angeles has special needs at this time of year, we have made a contribution in your name to Children's Hospital so that the kids there might have a more enjoyable Christmas. We at Consumer Marketing thank you for helping to make this contribution possible and sincerely wish you a Merry ...

... . Take some time and browse through our library. We have thousands of articles, checklists, tip sheets, sales letters, and more! Communications Marketing Customer Service Planning Finance/Accounting Risk Management Human Resources Selling Legal and E&O Technology Life/Financial Services Glossaries Management Resources & Links Categories Popular Recent All Back The Abcs Of Marketing 4/30/2013 12:00:00 AM by CompleteMarkets Editor , Jack Fries This content has not been rated yet. We've all heard that the essence of marketing is to find a need and fill it. Well, unless you have deep pockets or know exactly what the world needs, your marketing efforts will yield a better response if you follow this formula instead: Find a want and fill it. Most of us have enough food, shelter, clothing, and transportation-we don't need much more. But we want more. We need food, but we want fast foods, diet foods, or gourmet foods. Most of us don't need a 21/2-bath home or expensive designer clothes, but we want them. We may need a car, but we want a Lexus or a BMW. What's In It For Me? I was feeling confident the day I mailed 1,700 sales letters to a list of prime prospects, sure that this promotion would have my phone ringing off the hook. But two weeks later, only one call had come in. So I asked an expert, Lanny Aiken, to take a look at my letter. I had made a classic mistake: I had created a selfish monologue rather ...

... an Emergency, they should contact Police/Security immediately and provide as much information as possible. • &# 160 Do not sound fire evacuation alarms. Procedures &# 160 • &# 160 Lock classroom and other doors. • &# 160 Close windows and window treatments. • &# 160 Turn off lights. • &# 160 Have everyone remain quiet and not enter hallways. • &# 160 If the fire alarm sounds, do not evacuate the building unless: • &# 160 You have first-hand knowledge that there's a fire in the building, or • &# 160 Police/Security have advised you to evacuate the building. • &# 160 Crouch down in areas that are out of sight of doors and windows. • &# 160 Students in hallways should seek shelter in the nearest classroom. • &# 160 Students in outdoor areas should take cover immediately. Return to the gym if it's safe to do so. If the threat is outdoors on campus grounds, cancel all outdoor activities. 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 you use our directory of 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 ...

... . If you have hazardous wastes at your facility, the federal HAZWOPER regulations require you to have a plan for training employees to handle emergencies involving releases of hazardous substances Planning and practice are essential for safe evacuations. When you plan for the safe evacuation of employees, keep these steps in mind: Post floor plans indicating evacuation routes and emergency exits around your department in prominent places where employees will be sure to see them. Assign each employee a primary and alternate evacuation route from your department, and make sure that new employees are assigned an evacuation route during orientation, which should take place during their first few days on the job. Encourage employees to familiarize themselves with the evacuation routes from other areas of the facility where they go frequently, such as restrooms and break rooms. Develop plans for sheltering in place or a partial evacuation to safe areas of your facility as an alternative to a total evacuation, and train employees in these procedures. Talk to employees about appropriate behavior during an emergency evacuation (for example, remaining calm, moving quickly without running toward emergency exits, alerting others of the need to evacuate, and helping as directed by emergency response personnel) . Plan to evacuate disabled employees and employees who might be injured during the emergency. Have a way to account for employees once they've gotten out of the building. Remember, practice makes perfect — and keeps you, and your workers safe. Make sure all employees (including the bosses!) participate in regular emergency drills and simulations to give everyone the opportunity for practicing evacuation and other emergency procedures. Login or Register ( ...

... , fixed sprinkler or extinguisher systems may be installed. Process and work flow should be analyzed for contribution to fire hazard or impeding effective response. Planning The second step is development, documentation, and communication of emergency response plans. Plans should include: Responsibilities of managers, supervisors, employees, the public Response resources including sprinklers and extinguishers, bypass, shutdown, and reservoir systems Response personnel duties, training, and tools Coordination with public resources, such as fire departments, and their equipment and facilities, such as hydrants Means of sounding alarm and communication with affected persons Isolation and containment planning Planning and resources for disabled and others Evacuation-locally, horizontally (nearby areas), and globally Shutdown procedures and back-up Emergency communication First aid provisions and training Provision as needed of water, food, clothing, and shelter Training The third step is employee and public training: Are postings appropriate, understandable, and adequate? Are employees trained to identify and respond to emergency situations? Are designated employees trained to respond to fire emergencies? Are reviews and drills conducted as appropriate? Inspection The fourth step is regular inspection to: Ensure compliance with plans Test systems and extinguishers Verify adequacy of postings Review response capability and training Identify new or existing hazards Effect and verify improvements Follow-up The fifth step includes: Maintain a watch after fire is extinguished Account for all personnel and public Secure the site, facilities, equipment, and materials Search affected areas for hazards-plumbing, electrical, structural, hazardous materials or fire by-products-and report findings Identify causes and effect changes to prevent recurrence Report as appropriate to management, government, and public   ...