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...ons to allow employees to work off-site one or more days a week. Telecommuters...00) 205-6218, fax (949) 955-1929, Web site www.griffincom.com, e-mail griffcom...

...ency plans applicable to alternate sites and resourcing Minimize lost ope...

... today it’s about superfund sites and oil spills. In yesterday’s ...mail [email protected], Web site www.squareoneconsulting.com.

... Technical Director and Arif Quraishi is the Vice President of the Indoor Environments Division at the Institute for Environmental Assessment, Minneapolis, MN. This article is reprinted with permission of Griffin Communications Inc., which can be reached at 1420 Bristol Street N., #220, Newport Beach, CA 92660, (949) 752-1058, toll-free (800) 205-6218, fax (949) 955-1929, Web site www.griffincom.com , e-mail [email protected] . 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 ... 30/2013 by CompleteMarkets Editor , Neil Carlson This content has not been rated yet. Studies have shown that most Americans spend more than 90% of their time indoors and that this environment is significantly more contaminated than the outdoor environment. Maintaining as pollutant-free an indoor environment as possible can improve building occupants' health, reduce liability for building owners and managers, and improve overall productivity. Indoor air pollutants are associated with or directly related to numerous health-related symptoms or complaints. Some of these have been traced to biological contaminants, which can include the organism itself (as simple in structure as bacteria or as complex as a cat) or materials that the organism sheds, eliminates, or produces, such as fungi, bacteria, viruses, and insect parts and feces. FUNGI The most effective means ...

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... include Professional Liability, Pollution Liability, Errors & Omissions, ...

... and other collectibles, hobbies, activities, or anything that needs scheduled coverage. Include a return postage-paid envelope with the questionnaire, and require the insured to sign and date it. Also, request photos of any unusual or high-value items or activities that might pose a coverage problem or require special handling. That way, you can determine whether you need to make an appointment with the client at the site. This procedure provides an opportunity to sell other coverages, improve existing coverage, and even to sell Life and Disability insurance to round out and gain control of the account. 2. Take notes when talking to clients. Organize the notes into a narrative in your file. Most agency automation systems allow you to document meetings and discussions — and with all of the electronic methods available today, ... credibility.) It provides an excellent training tool for less experienced staff and a quick method for senior staff people to review the work output of those under them. These advantages save time and permit you to have your most technically competent people use their time and experience in the best way. Another area that should be discussed with respect to renewals is restrictive endorsements. A case in point is the pollution exclusion, which has evolved from the 1960s versions of the General Liability policies, in three main phases over the years: No contamination or pollution exclusion Accidental contamination or pollution coverage only (no occurrence coverage, with accident generally defined as a sudden and unforeseen event causing damage) Total exclusion on all contamination and pollution Even though most carriers stamped the policy, added cover notes, or otherwise highlighted ...

... . In our program, Travelers marketing and underwriting personnel are familiar with the specialty products offered by the Gulf Insurance Group. The use of PAs will add to the profits and retention of your business. Thomas S. Gillingham is president of Gillingham & Associates, Inc., P.O. Box 882620, Steamboat Springs, CO 80488-2620, (970) 879-9633, fax (970) 879-2891, Web site greatoutdoors.com. Additional information on G&A's programs can be obtained by calling (888) 636-6504 or accessing www.outdoorinsurance.com . 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 ... Individual reinsurance treaties in place to give the primary carrier the flexibility and capacity necessary to insure the underwritten class Keep in mind that standard reinsurance treaties, like standard ISO forms, exclude certain Liability and Property exposures, which in turn restrict the underwriter's ability to compete for many classes of business. For the most part, a program offers multiple-line coverages to their prospective clients. Exceptions include Professional Liability, Pollution Liability, Errors & Omissions, Directors & Officers, and Products Liability policies. PAs have even progressed to the point of employing loss-control representatives who have the expertise to specialize in the underwritten class. My firm underwrites the outdoor recreation industry, including such business as resorts, dude ranches, outfitters and guides, trap and skeet clubs, hunting and fishing lodges, hunting leases, snowmobile tours, ...