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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...cial survival rather than property, liability including auto, and workers comp...

...r of accounts available within a specific state or region is often limited. A ...

...ilding occupants' health, reduce liability for building owners and managers, a...to building occupants and potential liability for the building owner are minim...

...Servicing Site Preparation U...

... stay productive or ease back into the workplace while they recuperate. Facilitates compliance with air pollution and trip-reduction regulations. The federal Clean Air Act Amendments of 1990 require cities with certain levels of ozone pollution to implement trip-reduction programs. Employers with more than 100 workers at a site in these cities must take steps to reduce employee commutes. In addition, many states and localities, such as the San Francisco Bay area, have their own trip-reduction mandates. Reduces absenteeism. Pacific Bell found that telecommuting workers experienced 25% fewer absences than their ... between $1 ,000 and $2 ,000 per year on maintenance. Don't rely on a telecommuter's Homeowners policy. The telecommuting agreement should also address insurance issues. Most Homeowners policies exclude coverage for business property (even if owned by the insured) unless it's specifically listed on the policy. A broadly worded Business Property policy automatically covers the company's personal property (basically, immovable property, or everything but real estate), no matter where it is. As a practical matter, however, you may want to specifically list ... 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. Telecommuting may help injured workers stay productive or ease back into the workplace while they recuperate. Facilitates compliance with air pollution and trip-reduction regulations. The federal Clean Air Act Amendments of 1990 require cities with certain levels of ozone pollution to implement trip-reduction programs. Employers with more than 100 workers at a site in these cities must take steps to reduce employee commutes. In addition, many ...

... 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 ... PA. Many PAs will enter into cooperative advertising ventures. The agent should ask the PA for an exclusive or semi-exclusive territory in return for a commitment to market the program aggressively. Because of the specialty nature of the product, the number of accounts available within a specific state or region is often limited. A form of exclusivity will benefit the agent and the PA. Agents that are successful in developing an exclusive or semi-exclusive contract will undoubtedly have few competitors to deal with. When a good product is available to a niche consumer ... 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 ...

... 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 ... agency uses ACORD forms, which include a log with the binder packet. Just as important, follow up on binders that have been issued. Never issue a one-year binder. Few, if any, carriers permit them. Issue a 30-day binder in every case unless specifically authorized to issue a longer one; but in no event issue a binder longer than 60 days. If you issue a 30-day binder and don't have a policy when it expires, issue another one. Keep sending copies to the insured and the company. If ... 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 ...

...appointment with the client at the site. This procedure provides an opport...cuments, which might require a time-specific response by the company, the agen...