https://completemarkets.com/company/CompleteMarkets/Articles/content-package/IMMS-Library/TabCategory/article-post/2111/Do-You-Take-Uninsured-Motorist-Coverage-For-Granted/
... Personal and Commercial Umbrellas vary widely, so make sure that your company doesn't exclude UM on the policy. If an insured refuses the higher UM limits, many states and companies require that they complete a sign-off form. Even if prospects tell you verbally that they don't want the coverage, never sign the form on their behalf. You may want to check with the company to see if all Named Insureds should sign, or just the first Named Insured. Here's an example of an Uninsured Motorist claim that illustrates many of these points. The case involves allegations that an agent failed to advise a client properly of the availability of higher limits of UM coverage and that the agent failed to obtain a written waiver of UM benefits equal to Liability limits as required by the state's Financial Responsibility Act. An ambulance owned and operated by one of the agency's clients was struck head on by an uninsured vehicle that had crossed the centerline of the highway. A nurse and patient were killed, and the driver was seriously injured. The insured's Business Auto policy had Liability limits of $500,000 but UM limits of only $35,000. The nurse's estate sued the insurance agency, contending that the Uninsured/Underinsured coverage should have been $500,000 and that the agent was negligent in not providing it. Each policy year, the client had been advised that the limits for Uninsured/Underinsured Motorist coverage would be equal to that of Liability coverage unless he chose a lower option. His priorities were to maintain high Liability limits but to keep premium costs down. He reasoned that his employees ...
https://completemarkets.com/company/CompleteMarkets/Articles/content-package/IMMS-Library/TabCategory/article-post/2184/21-Things-To-Do-To-For-A-Safe-Workplace/
... , 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 Back 21 Things To Do To For A Safe Workplace 12/10/2014 12:00:00 AM by Don Phin This content has not been rated yet. 21 THINGS TO DO TO FOR A SAFE WORKPLACE Offer employees a share of insurance premium reductions which result from a reduced number of accidents. Match the applicant carefully to the job. Test their skills and physical abilities. Install alarm systems for theft, entry and fire purposes. Make sure that all threats of violence are reported and investigated immediately. Maintain a first aid cabinet, post first aid information, including fire, police, and ambulance numbers, and a poster on how to perform mouth-to-mouth resuscitation. Comply with all Federal and State OSHA IIPP requirements. Comply with all hazardous materials reporting requirements, including identification of hazardous substances. Clearly mark and keep clear all your exits, aisles, and passages. Provide stairs with slip resistant surfaces, handrails and proper lighting. Make sure your equipment contains safety guards, electrical grounding, readily available and easily identifiable power shut off switches and emergency stop buttons. When appropriate provide your employees with, and require them to wear, protective clothing including: safety glasses, gloves, hard hats, steel toed boots, headphones, hearing protective equipment, wrist braces, back support belts, and the like. Do not allow productivity pressures to compromise safety. Make sure the furniture and equipment you ...
https://completemarkets.com/Article/article-post/5/Find-Prospects-By-Using-The-Internet/
...or an Emergency Medical Service (Ambulances) Program for the State of Texas. ...
https://completemarkets.com/Article/article-post/904/Avoiding-The-Dangers-It%E2%80%99S-No-Time-To-Trip/
...y I knew what happened. “Call an ambulance,” I shouted. It was a complete quad...
https://completemarkets.com/Article/article-post/1569/RESPONDING-TO-WORKPLACE-EMERGENCIES/
...r on telephones, and prearranged ambulance services for any emergency are avai...
https://completemarkets.com/Article/article-post/919/FIRST-AID/
...telephones, and that prearranged ambulance services are available for any emer...
https://completemarkets.com/Article/article-post/7/Find-Prospects-By-Using-The-Internet/
...or an Emergency Medical Service (Ambulances) Program for the State of Texas. W...
https://completemarkets.com/Article/article-post/71/Discovering-New-Niche-Programs-In-Commercial-Lines/
...d programs for public libraries, ambulance companies, homes and services for t...
https://completemarkets.com/Article/article-post/1557/OSHA-HANDBOOK-FOR-SMALL-BUSINESSES-PART-4/
...-aid materials, emergency, fire, ambulance, rescue squad, and doctor's telepho...
https://completemarkets.com/Article/article-post/1663/HEALTH-INSURANCE-MODULE-V-H/
...gy testing-serum treatment Ambulance and transportation Ambulatory...