Procedures

Cleaning Up Loss Ratio Problems

Throughout the soft market, rates dropped and companies endured increasing losses as the price to pay for cash flow and market share. Now carriers are reacting to loss ratios much…

Why Are Binders Issued for 30 Days?

We all know that binders have historically been issued for 30-day terms. Why is that and can a binder be issued for longer terms, perhaps even as long as the…

In hand are red cubes with numbers. Making the right decision concept

Sample Office Technology Policy

Some folks from the CIRMS group discussed below presented a paper at a recent seminar on Telework Risks and Liabilities. Within that paper was a sample Office Technology Policy. They have…

Empty white laptop with abstract tiny classroom desktops on grey background. Online education and webinar concept. Mock up, 3D Rendering

Real-Time Workflow

Do you want to provide superior customer service to your clients?  Do you want to improve productivity?  These are proven results that you too can achieve by implementing the Real…

Cropped shot of team of company workers joining cogwheels on office table as metaphor for collaboration, teamwork, good business system, finding working solutions and effective management

Employee Internet Usage Policy

Do your employees spend, what seems to you to be, an inordinate amount of time on the internet at work…whether during business hours or their personal time? Ever wonder what…

E-learning. Concept of education. Internet labrary. Book and Laptop. 3d

HIPAA: Why a Privacy Rule?

Following up on her original article on HIPAA, Judi Newman provides more information about the nature and scope of HIPAA implementation that will help you better understand the compliance implications…

The concept of talent search or magnifying glass looking for employees, building a strong team, the concept of human resource management and management,

13 Caveats in Using E&S Markets

There are some excellent excess and surplus lines markets in this industry, many providing products and services superior to those in the standard market. However, there are inherent dangers in…

Interest rate financial and mortgage rates concept. Home and cube block shape with icon percent on balance seesaw scales. 3d illustration

Toxic Mold, CLUE Reports, and the FCRA

With more stringent underwriting that has resulted from a proliferation of mold and water damage claims, agents and others are facing increased demands for background reports when real estate is…

wooden figurines of a family in a house drawn with white chalk and rain from a cloud. Real estate and family insurance concept. Natural disaster protection, copy space

Furnishing MVRs…Legal But Not Permitted

When a commercial lines client requests an agency to run an MVR on a new employee in conjunction with adding him/her as a driver to the BAP, the agency may…

Circle of people interconnected by curves lines. cooperation, teamwork, training. Collaboration and cooperation, participation. Social connections, joining to solve tasks. Staff, community meeting

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