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...y agency removed the compensation exception from this claim, rendering the bor...

...r or oxygen with flammable gases, except at a burner or in a standard torch? ... central exhaust system? [ ] Are all local exhaust ventilation systems design...

...cupational injuries or illnesses, except minor injuries requiring only first a...ardrail, or equivalent on all sides (except at entrance to stairways or ladder...

...ing petroleum, with the following exceptions. These tanks are NOT covered by t...age you are required to demonstrate. Local governments have four additional c...

... bonds and used-car dealer bonds-are marketed solely within Texas . The others-personal watercraft (jet ski) insurance and hole-in-one coverage-are marketed outside the state as well. When Everhart started his agency on April's Fool's Day 1970, he handled standard fire and casualty lines and specialized in the trucking industry. But he quickly found that he was spending most of his time convincing carriers to underwrite programs instead of selling products to potential customers. That seemed like a waste of time. So he dabbled in niche markets, enjoyed the change of pace and eventually ... underwrites VFIS programs. The secret to any niche is to identify what people need and want, ' says Regnier. No one was doing that for volunteer fire departments over 20 years ago, before Art Glatfelter went to bat for them. VFIS writes all lines of business except workers' compensation' for volunteer fire departments and emergency service organizations. Available coverages include injury-to-firemen liability, accident and sickness, vehicle agreed value for engines, errors and omissions liability, pollution liability, medical malpractice, bonding and others. VFIS currently insures more than ... a contractor surety questionnaire, ' recalls John Ward, one of two principals in the family-owned business. The contractor had messed up the form provided by an out-of-town agent and needed a clean version to fill out. I said I could provide the same service for him locally, ' says Ward. We had never done surety bonds before and I thought it would be like writing a fire policy. It was a real learning experience. Today, due to a lot of hard work and a common sense approach, construction surety bonds-guarantees that ...

...lty lines and specialized in the trucking industry. But he quickly found that ...

... Statutes creating the statutory employer' classification have been upheld in a number of cases. For example, Curtiss v. GSX Corp., 774 P. 2d 873 (Colo. 1989) involved a claimant hired by a contractor who assigned him to work on a truck owned by GSX. While the claimant was working on the vehicle, the driver drove over the claimant's right foot, which was subsequently amputated. The claimant sued the first company (GSX), which responded that tort claims were barred because it was the statutory ... a personal attendant sent to work for an elderly woman under a contract between the woman and a temporary help agency. The woman was held immune from tort liability under the borrowed servant doctrine. The fact that the plaintiff was employed by the temporary agency removed the compensation exception from this claim, rendering the borrowed servant doctrine applicable. For the borrowed servant doctrine to apply, the work performed by the claimant must fall within the scope of the borrower's normal business. If the borrower uses the borrowed help for casual work, such as ... jobs outside the borrower's normal business, immunity might not be available. What's more, no immunity can be given to an alleged borrower if the borrower lacks control over the claimant's activities. This is particularly true when no temporary labor broker is involved and the claimant is an employee of a contractor working on the owner's premises. In such cases, it's necessary to find which party had control over the claimant at the time of the accident. This is parallel to the statutory employer situation in which one considers whether the activity falls under ...

... Statutes creating the statutory employer' classification have been upheld in a number of cases. For example, Curtiss v. GSX Corp., 774 P. 2d 873 (Colo. 1989) involved a claimant hired by a contractor who assigned him to work on a truck owned by GSX. While the claimant was working on the vehicle, the driver drove over the claimant's right foot, which was subsequently amputated. The claimant sued the first company (GSX), which responded that tort claims were barred because it was the statutory ... a personal attendant sent to work for an elderly woman under a contract between the woman and a temporary help agency. The woman was held immune from tort liability under the borrowed servant doctrine. The fact that the plaintiff was employed by the temporary agency removed the compensation exception from this claim, rendering the borrowed servant doctrine applicable. For the borrowed servant doctrine to apply, the work performed by the claimant must fall within the scope of the borrower's normal business. If the borrower uses the borrowed help for casual work, such as ... jobs outside the borrower's normal business, immunity might not be available. What's more, no immunity can be given to an alleged borrower if the borrower lacks control over the claimant's activities. This is particularly true when no temporary labor broker is involved and the claimant is an employee of a contractor working on the owner's premises. In such cases, it's necessary to find which party had control over the claimant at the time of the accident. This is parallel to the statutory employer situation in which one considers whether the activity falls under ...

... the last six months, do so now. First, consider testing your key people by having them complete a personality/skill/interest profile, which can be used as a resource when you do the individual reviews. A review of John Jaques' "Mack Truck Theory" and his "Up or Out Program" in this CD-ROM is in order. It's also prudent to review "Employee Testing." Frequently, agencies haven't evaluated employees in years-and if they've had one, it's been cursory. Why not turn evaluations into ... code use is not standardized, the system won't work well. On the other hand, if you have a published list of codes and the use of each is specifically described, activity measurement should be consistent. Some people refer to the process as "managing by exception" because you focus on the areas where you are not performing. It makes no sense for an agency principal to make a substantial investment in a system and then turn it over to the agency staff or to a person who does not see the big picture ... them. Push hard for preferred agency contracts and for recognition. Share your business plan with them and show them where they fit in. Take every opportunity to tell your story to the carrier. Visit the home office at least once a year, and get the local branch or regional office of the company to set up your visit, so that you are able to talk to some important corporate people. Don't assume they know anything about you. On the other side of the coin, if you are unprofitable with a carrier ...