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Hello my Friends, I have a hard to place Risk They Collect Traffic date in Arizona, Installation of pneumatic tubes for counting vehicle traffic. NCCI Risk pool had them with 8720 Class code (didnt make sense to me) I suspect more like a Surveyor Due to temporary lane diversion with Flashing Vehicle lights and cones for safety. @$2500 target premium Continuous Coverage no losses over 10 years. Merry Christmas to my Favorite Underwriter! :-)

Who doesn’t like to hear about tax breaks? State employment officials say businesses across Oklahoma can expect a break when it comes to paying unemployment insurance in 2014. The Oklahoma Employment Security Commission announced that many businesses can expect to pay less because of record collections into the state’s Unemployment Insurance Trust Fund. The fund that is used to pay state unemployment benefits to qualified workers reached topped $1 billion earlier this month for the first time in 72 years. Agency economist Lynn Gray says because of improved conditions of the trust, the agency expects to see a “significant tax cut” for Oklahoma employers in 2014. While the overall condition of the economy will determine how large the cut will be, Gray says it could result in a decline of collections between $175 million and $225 million. Cited from: http://www.insurancejournal.com/news/southcentral/2013/08/16/301975.htm

Good afternoon...let's post this again as a "discussion". When I sit down with a small business owner, I typically ask these 12 questions as part of a survey that then allows me to offer their business a free listing for one year on our GoSmallbiz.com website. As you read these 12 questions ask yourself how many "yeses" would you expect from your commercial clients? Here we go... Have you ever 1. Had a dispute with a supplier, landlord, customer or employee? 2. Had difficulty collecting money from customers? 3. Signed a contract or document you hadn't fully read or understood? 4. Felt you paid too much in tax? 5. Had questions about incorporating and legally protecting your business? 6. Worried about being sued by customers, vendors or employees? 7. Wanted to market your business more effectively over the Internet? 8. Wanted to have a resource for any business or legal question? 9. Wanted to get advice on increasing your business revenue and profits? 10. Wished you could afford to have an experienced attorney or business consultant/coach without having to worry about the fees involved? 11. Had to hire or fire an employee? 12. Wondered if you were compliant with federal and state regulations? I imagine that the majority of your clients would actually answer "yes" to many of these questions. You could offer them a great solution which would be one of our LegalShield small-business legal plans that start at just $49/month. I look forward to helping you as you help your clients and welcome further discussion.

Why Offer LegalShield? At LegalShield, we're passionate about developing relationships with brokers and other independent professionals. We specialize in bringing simple, yet valuable benefits to the marketplace. Whether you're a large, medium, or small sized agency we can bring value to your clients, and to your bottom line. Life is more complicated today that it was even a few years ago. In 2010, LegalShield received 2.1 million requests for legal service. 16.2 percent were for Real Estate, Landlord/Tenant Issues and Foreclosure. Other issues ranking in the top areas of request for service included: • Consumer Finance • Family Law • Traffic Issues • Collections Complicated = Less Productive Employees Employees who are distracted by life issues are less productive, more likely to call in sick, and more likely to address personal matters while at work. What if you were the one offering the new employee benefit to your clients that takes a complicated world and makes it a little less complicated? What if you could do it at little or no cost to your client? What We Offer: For Brokers: • Increase Revenue/Profit • Low, or No, Cost to Your Client • Unique High Demand Product • Reconnect With Existing Clients • Open New Accounts • Simple Application • No Assigned Territories • No Continuing Education Requirements in the Majority of States • No Underwriting Requirements For Employers: • Low, or No, Cost Benefits Package Enhancement • Paperless Billing Options • No Claims Forms • Electronic and Web Enrollment Options • Less Stressed Employees • Enhances Workplace Morale For Employees: • Access to Legal Counsel and Other Legal Services • Access to Identity Theft Restoration • Benefits That Can Be Used Immediately • Reduce Stress • Peace of Mind • Saves Money What is very exciting for brokers and independent professionals, such as financial planners, Is the affiliation/compensation arrangements we have to fit almost any entity. Commissions range from 16% to 58% (including bonuses) with lifetime renewals from 1% to 18%! Let us help you put this in force through our group of associates. Go to www.seekfirstbenefits.com or simply contact Randolph Beasley.

I would sincerely appreciate your input based upon your experience with PEOs. If you have never formed an alliance with a PEO, why not? If you have utilized a PEO for your client(s), how was this experience? How did your client like this relationship? Let's explore the opportunities; the good, the bad and the ugly. Thanks for reviewing.

I have a client that failed to respond to a WC audit, he has since completed it, and his carrier has cancelled the policy. No claims, masonry contractor based in Kansas and also does jobs in Missouri and Oklahoma. Does anyone have a market for this?

Need help placing an Arizona GL risk. Has good Insurane history. No claims over 5 years. Need to AI including form CG 20 10 07 04 or equivalent for multiple municipalities. (City contracts) Best’s rating of A VII or better – Admitted Carrier Best’s rating of A XII or better – Non-Admitted Carrier Prefer Admitted if possible. Risk: Traffic counting to include pneumatic hoses in road & electronic traffic counting.

I have a home healthcare company here in AZ that is in need of comp coverage, no prior and I've contacted every market I can think of which leaves us with the assigned risk. That being said we'll be moving on a policy for the insured however he has a contractor in TX that he would also like to provide comp coverage for. Annual payroll for the TX contractor is $62,400 (8835 class code) and we can't add to the NCCI policy since TX isn't an option. Does anyone have any ideas as to where I could write this part of the comp business? Better yet if anyone knows where I could write it all together that would be great. Here's a breakdown of the payroll amounts: - 2 w2 home health nurses (8835) - $143,425/yr payroll (AZ) - 1 1099 contractor home health nurse (8835) - $91,800/yr payroll (AZ) - 2 Office employees (8810) - $54,720/yr payroll (AZ) - 1 1099 contractor home health nurse (8835) - $62,400/yr payroll (TX) - 3 owners all excluded at 8810 class code - $86,400/yr payroll each Any help is much appreciated. Thank you!

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