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... enhanced BOP programs to what's basically an ISO BOP, there are some significant differences in how coverage, if any, is provided. The same holds true when you move from a BOP to a CPP or vice versa. The ways in which signs, glass, transportation, off-premises coverage, etc. is provided are significant and need to be contrasted. If you move the account to another market, complete a revised coverage summary to go with the policy. Stress that this only a summary — and that the policy should be ... in the way that you and your staff perform different functions. In many cases, this alone is enough to make or break your case. Be consistent and thorough about file documentation, and you will eliminate the problem before you have it. With the sophisticated automation facilities available, there is just no reason not to document. 3. Always note telephone conversations in the file. Most agency computer systems, especially those that allow networking, document as activities, document telephone activities that indicate the nature and date of the call, ... 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 ...

...e ways in which signs, glass, transportation, off-premises coverage, etc. is p...cuments, which might require a time-specific response by the company, the agen...