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... could make a big difference in your claims experience. You probably know your clients if you communicate with them regularly, make sure they understand their policies, and help them to identify exposures that aren't currently covered. You might know clients who live in close proximity to your office quite well. However, if you simply mail out policies yearly, renewed as is, and don't communicate in any other way, it surely would be hard to assert that you've kept up with knowing the needs of your customers. Having out-of-state clients certainly adds to the challenge, but proper and periodic communication is still achievable. In the following example, the agent doesn't appear to have realized the challenge — or the consequences — he faced: A claim involved the failure of an agent to provide a computer manufacturer with Warehouse coverage. This particular agency, located in New York, specialized in writing Commercial package policies for computer manufacturers. The agent had met with the client at the client's warehouse in California. Upon his return home, the agent provided the carrier with a binder and specification sheet. When the underwriter inquired whether there were a safe and a guard at the warehouse, the agent replied in the affirmative. When a robbery involving the theft of a large amount of computer equipment occurred at the warehouse, the carrier paid the loss. They then asserted a claim against the agent for reimbursement on the basis that the security wasn't as stated, so the risk shouldn't have been accepted in the first place. The carrier won the case! There's no doubt that this claim could have been avoided. The ...

... ) Please consider the following: 1. Would you recommend this company? 2. What about this company do you like/dislike? 3. Why did you choose this rating? Submit This Anonymously Submit Cancel Contact Us contact_phone Click to call Unfollow First name: Last name: Email: Are you sure you want to deactivate your CompleteMarkets Company Profile Deactivate Cancel Loading.. About Us Services Jobs PR Newsletters Employees Articles Blog Photos Group Connections Reviews IMMS Library Immerse yourself in our stacks. Take some time and browse through our library. We have thousands of articles, checklists, tip sheets, sales letters, and more! Communications Marketing Customer Service Planning Finance/Accounting Risk Management Human Resources Selling Legal and E&O Technology Life/Financial Services Glossaries Management Resources & Links Categories Popular Recent All pc warehouse Articles tagged with pc warehouse Back 15 Ways To Keep Your Business Booming This content has not been rated yet. CompleteMarkets Editor , John Graham 4/30/2013 12:00:00 AM Becoming accustomed to a growing economy is easy and dangerous. Although there are always pockets of problems, we forget that success is often more the result of a good economy than our business acumen. If everyone else is doing well, our major challenge becomes how to pull ahead of the pack. Unfortunately, many business people tend to get a bit lazy-and that's when we can get caught. There are ways to become more successful, keep business booming, and give companies the opportunity to gain a competitive advantage. Here are 15 ways to develop an extra edge: All Articles by CompleteMarkets Editor ...

... , helping to keep it flexible an.. All Articles by CompleteMarkets Editor Comments (0 ) Follow Smart Hiring Practices This content has not been rated yet. CompleteMarkets Editor , Marcus Covas 4/30/2013 12:00:00 AM FOLLOW SMART HIRING PRACTICES by Marcus Covas These hiring guidelines can help protect your business against the growth industry of employment-related litigation. Today, .. All Articles by CompleteMarkets Editor Comments (0 ) Getting Back To Business' This content has not been rated yet. Jack Burke 4/30/2013 12:00:00 AM GETTING lsquo;BACK TO BUSINESS by Jack Burke The tragic events of September 11 will have long-lasting effects on the many aspects of our business, not the least of wh.. All Articles by Jack Burke Comments (0 ) One Source Warehouse Stocks Only Drug-Free Employees This content has not been rated yet. CompleteMarkets Editor 4/30/2013 10:38:56 PM ONE SOURCE WAREHOUSE STOCKS ONLY DRUG-FREE EMPLOYEES WORKING PARTNERS One Source Warehouse is a wholesale auto parts company in Houston, Texas, owned and operated by the Albee family. The Albees.. All Articles by CompleteMarkets Editor Comments (0 ) P.R.: Separate Fact From Fiction This content has not been rated yet. CompleteMarkets Editor , Michael Maynard 4/30/2013 10:42:47 PM P.R.: SEPARATE FACT FROM FICTION by Michael Maynard Public relations is often improperly or ineffectively used, giving businesspeople, as well as the public, a warped view of P.R. In th.. All Articles by CompleteMarkets Editor Comments (0 ) 1 2 x No ...

... significant differences. A fair number of E&O claims involve accounts that are farther away; many aren't even in the same state. Although there's certainly nothing wrong with an agent writing business wherever they're licensed, these accounts require a different level of handling. When an account is located in your hometown, it's much easier to service them and to note changes in their exposures. One of your staff might know the particular customer. You can visit the account or ask them to stop in. When an account is more than 100 miles away your options become more limited, but your need to identify any changes in exposures is just as important. To illustrate, here's a claim that happened to one agent: A carrier brought a suit against a New York agent for the unauthorized binding of warehouse coverage at a client's California location. The underlying claim involved an armed robbery at the client's warehouse. The carrier paid the loss, in excess of $1 million. The basis for the claim: undocumented discussions with the carrier underwriter, and allegations against the agency that the warehouse didn't meet carrier underwriting guidelines. The agency's position was particularly difficult because the agent traveled from New York to California in an effort to service the account but was unaware of the type of security or alarm protection at the property. The claim was resolved through a negotiated settlement. But it would've been defensible had the agent maintained adequate client contact and documented conversations with the carrier's underwriter. Unfortunately, this is a common pattern. Although agents need to service all accounts, distance can create problems. It's very difficult ...

... factors that affect a company's ability to find affordable workers' compensation insurance — but they can have a critical impact on the cost of coverage. The high-hazard workers' compensation program powered by Pride Risk can provide a viable solution for any client that is having trouble finding affordable workers' compensation coverage — regardless of industry. However, some businesses have inherently high risks due to the nature of their work, and specific governing codes can indicate that a company will need a specialized workers' comp solution. Securing Affordable Workers' Comp Coverage Is Often Difficult in These Industries The Pride Risk program covers high-risk insureds in a wide range of industries. Some of the most common governing codes covered under this solution include: Manufacturing HVAC/ Sheet Metal Masonry Landscaping Electrical/ Plumbing/ Painting Food Processing Bakeries/ Hospitality Warehouse Operations Trucking/ Transportation Heavy Construction (Excluded in NY) Cold Storage Retail/ Wholesale Staffing (Excluded in NY) Seasonal Operations (Advised Upfront) Property Mgmt. Janitorial/ Residential Cleaning Multiple Factors Affect the Cost of Workers' Comp In addition to the governing codes discussed above, the following factors are good indicators that a company might benefit from the Pride Risk workers' comp solution. Experience Modifiers over 1.00 Cancelled / Non-Renewed Coverage / Gap in Coverage Large Losses / Poor Claims Experience Few or no options other than the State Insurance Fund Clients with these attributes often have trouble obtaining affordable coverage in the traditional insurance markets. But now, you can provide a solution. The Secret to Marketing High-Hazard Workers' Comp Solutions Do you have workers' comp cases on your desk today that you can't ...

... " If this is the case, be aware of your obligations under the ADA (15 employees or more) and FMLA statutes (50 or more employees) . The advice is always the same: Don't play lawyer, doctor, or psychologist- unless you are one. Treat the employee as you would a loved one. Focus on their performance and what reasonable accommodations, including leave, might help them to meet legitimate performance standards. Do this regardless of whether the employee is sick, inured, disabled, or otherwise limited in their ability to perform. Don't forget the possibility of human error. We all make mistakes. In one case, a CEO asked if he should fire one of his warehousemen for throwing a cigarette into a tire pile, which then ignited and burned down the warehouse. If you face a similar situation, consider signing a "do one more stupid thing and you're out of here" agreement with the offending employee. As a last-ditch effort to defuse a possible claim, consider doing an exit interview. Following these guidelines should go far to reduce your exposure to employee lawsuits. Don Phin, JD, CPCM is president of HR That Works, Inc., a firm specializing in management, employment law, and risk management. He serves as the Human Relations Key Consultant for IMMS.com. You can reach Phin, a past president of the American Academy of Employment Law Attorneys, at (800) 234-3304; e-mail [email protected] ; or visit www.hrthatworks.com . Login or Register (for FREE) to gain access to thousands of other great articles. ...

... insurance (STDI) to their employees (New York, California, Hawaii, New Jersey, and Rhode Island) . However, many businesses offer STDI and even offer long-term disability insurance (LTDI) to stay competitive. 4. General liability insurance General liability insurance isn't required, but it's one of the most important policies you'll ever have. This insurance covers: Injuries sustained by customers on the property Property damage (including damage to other people or businesses caused by your employees while working) Advertising injuries like misappropriation, slander, and libel The cost of general liability insurance varies per industry. You can expect to pay more if you're in a dangerous industry like construction. 5. Commercial property insurance Remote companies won't need this type of insurance. However, if you have an office, a warehouse, or storage space, it's a good idea to have commercial property insurance. This insurance policy protects your inventory, equipment, and machinery against damages or loss. Covered causes include theft, vandalism, fires, and select weather-related damages. As long as you're not in a flood zone, you can get a policy that covers flood damage and other water-related damages. Unfortunately, you probably won't find a policy that covers earthquake and hurricane damage. 6. Professional liability insurance Professional liability insurance is also known as malpractice insurance. However, it's not just for doctors and lawyers. This insurance policy covers errors and omissions, which can be a real problem in almost any industry. For example, if you're running a web development business and your developer fails to complete a JavaScript module on time ...

... . Thus, the smell of other gases doesn't mean an absence of carbon monoxide. ARE YOU LIKELY TO BE POISONED? If you have a heart condition, your condition may be aggravated by carbon monoxide. Ingestion of barbiturates and alcohol may increase the gas' health effects. Furthermore, smokers will have higher carboxyhemoglobin than non-smokers, and therefore face higher risk from carbon monoxide exposures on the job. Harmful levels of carbon monoxide are a potential danger to: acetylene workers, blast furnace workers, boiler room workers, brewery workers, carbon black makers, coke oven workers, customs workers, diesel engine operators, dock workers, garage mechanics, metal oxide reducers, miners, organic chemical synthesizers, petroleum refinery workers, pulp and paper workers, steel workers, toll booth and tunnel attendants, and warehouse workers. HOW DOES CARBON MONOXIDE HARM YOU? Large amounts of carbon monoxide can kill in minutes. The more carbon monoxide in the air and the longer you are exposed to it, the greater the danger. Any one or more of the following symptoms can signal carbon monoxide poisoning: headaches, tightness across the chest, nausea, drowsiness, inattention or fatigue. As the amount of carbon monoxide in the air increases, more serious symptoms develop such as lack of coordination, weakness and confusion. The poisoning can be reversed if caught in time. But even if you recover, acute poisoning may result in permanent damage to the parts of your body which require a lot of oxygen, such as the heart and brain. There is a significant reproductive risk involved with carbon monoxide. An ...

... , is compounded as the number of entities involved increases. Potential Problem Areas Exhibit A (see end of article) identifies a number of new services or activities which the corporation or holding company may initiate. For each service or activity listed, seven potential problems areas are identified. Item 8 identifies warehousing with the following potential problem areas: lack of security-this would be true of almost any new facility, particularly if items of value are stored; lack of written procedures- again, this would be true if no prior experience existed within the organization in warehousing. Because of such lack of procedures, controls would be weak and opportunities for losses or thefts would be higher. Personal gain-whenever the potential for personal gain is high and controls are low, a problem exists. Pressure for growth-with a new warehouse, like any new facility, costing a significant sum, there will be pressure to turn a profit' by uncontrolled growth of revenue resulting possibly in additional problems or losses. Officers And Directors This area is very important because it moves from the liability of the corporation to that of a specific individual. It is one thing to discuss the relative responsibilities of corporation A to organization B or manufacturer C to retailer D. It is quite another to talk about the personal liability of John Smith or Henry Jones of the XYZ manufacturing company. If corporation agreements, understanding, or insurance protections are vague or inadequate with respect to activities of an individual officer or director, then his liability may still exist but the ability to pass it upward to the company is diminished or non-existent. As corporations are ...

... x No Thanks Loading.. Capturing The Cyber Customer 4/30/2013 by CompleteMarkets Editor , John Graham This content has not been rated yet. Align your marketing program to the needs and desires of today's online customers. "Control the customer and you control the sale." This advice served generations of successful salespeople who knew that they could make any sale once they could get face-to-face with a prospect. When this sales process began to change, the change was so subtle that most salespeople overlooked its impact. Even the waves of consumer catalogs failed to alert the selling profession to the revolution that was taking place. It wasn't catalogs as such that were so important. Whether it was Sears and Roebuck, L.L. Bean, PC Warehouse, or Victoria's Secret, cataloging became a great success story because the cataloguers offered what the customer wanted more than anything else: Convenience. But catalogs were just a rest stop along the world's merchandising highway. Now, it's the Internet. Although some express concern about "security issues," millions of shoppers buy books at amazon.com and other popular sites using their credit cards every day. The experience builds consumer confidence and paves the way for increased spending via the Internet. As Andy Grove of Intel warns, "The world now runs on Internet time." The effects of Internet buying activity are being felt in virtually every industry nationwide. A Dodge dealer in Phoenix, like so many other merchandisers, is seeing it first-hand. Describing the dealership's expanding presence on the World Wide Web, he reports that "we are dealing with a totally ...