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... from the viewpoint of service availability. The rural area frequently does not have medical facilities which interface with the needs of a major commercial operation. Further-more, there is a vast difference between the protection services and suppression capability of a major metropolitan fire department and a rural volunteer group. A metropolitan location will normally have a substantial water supply with adequate fire hydrant distribution. A rural setting may be void of any water distribution system acceptable for fire suppression purposes. The rural location may have limited fire response with only volunteer fire fighters. ... Analysis In projecting the probable maximum foreseeable event, it is important to combine several exposures in order to achieve a realistic impact on the corporate operating and financial abilities. A hypothetical loss situation in a manufacturing facility could entail these conditions: a boiler explosion with an ensuing fire, injury to both employees and third party guests; fire damage occurring in the immediate exterior perimeter as well as structural collapse affecting self-insured fleet vehicles. In analyzing a major crisis situation such as natural hazards, it is important to extend the impact on finances to ... but complicates the situation from the viewpoint of service availability. The rural area frequently does not have medical facilities which interface with the needs of a major commercial operation. Further-more, there is a vast difference between the protection services and suppression capability of a major metropolitan fire department and a rural volunteer group. A metropolitan location will normally have a substantial water supply with adequate fire hydrant distribution. A rural setting may be void of any water distribution system acceptable for fire suppression purposes. The rural location may have limited fire response with only ...

... just recently turned her existing commercial and personal clients over to another agency and concentrated on niches. It was an absolutely, fantastically wonderful thing to do, ' she says. I'm not sure where we'd be today if we hadn't done that. In 1985, Regnier purchased Volunteer Firemen's Insurance Services (VFIS) of Texas , which operates as a Regnier & Associates dba. In the first eight months, the agency doubled its premiums. Regnier & Associates has an exclusive marketing agreement with the national VFIS organization, a subsidiary of the Glatfelter ... 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 contractors will complete construction projects-account for about 15 percent of the agency's $2.25 million in annual premiums. Three-quarters of the ... agreement with the national VFIS organization, a subsidiary of the Glatfelter Insurance Group of York, Penn. CIGNA 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, ...

...itan fire department and a rural volunteer group. A metropolitan location will... on-going exposure to such regulations and to assure compliance where required.

...' In 1985, Regnier purchased Volunteer Firemen's Insurance Services (VFIS)...crop. That gives us a good loss ratio, and keeps our companies happy, because ...