Recently added articles from Rough Notes:
COURT DECISIONS
Aug 01, 2008; Anonymous ... Was meth death an "accident"? Alicia Hackbarth resided in the home of her friend, Gary Schwich. Hackbarth was a heavy drinker and marijuana smoker who also snorted methamphetamine. In March 2005 Jeanne Stone, another friend of Schwich, moved into the home. Stone and Schwich also used ...
SORTING OUT COMPLEXITIES OF TWO ENDORSEMENTS
Aug 01, 2008; Malecki, Donald S ... Individual Named Insured and Drive Other Car endorsements are potentially troublesome Determining whether or not a vehicle's coverage is derived from a personal auto policy or a commercial policy can be confusing, and litigious. Two endorsements-the Individual Named Insured endorsement ...
CREATING A NEW PARADIGM
Aug 01, 2008; Pillsbury, Dennis H ... MARKETING AGENCY OF THE MONTH McCart Group opts for consultative selling only When you're located in the highly competitive environs of Atlanta, Georgia, you're going to be facing off against all the major brokerage firms as well as other independent agencies. So, you really need ...
HAPPY DAYS ARE HERE AGAIN?
Aug 01, 2008; Hennosy, Kevin P ... An insurance writer heads to Denver, and looks back on NAIC's summer meeting I am going to the Democratic National Convention in Denver, Colorado. I am not a delegate-pledged or not pledged. Nor am I a registered member of the news media, although Rough Notes will probably receive some ...
PROXIMATE CAUSE, CONCURRENT CAUSATION AND ANTI-CONCURRENT CAUSATION
Aug 01, 2008; Anonymous ... All-risk insurance is a misnomer. Earthquake and flood are two of the primary exclusions under an all-risk policy due to the unpredictable and catastrophic nature of such events-and the risk of adverse selection. Insurance professionals understand that all-risk insurance is subject to conditions ...
ENHANCING THE CLIENT CONNECTION
Aug 01, 2008; Chivvis, John ... SilverPlume solution helps agency to retain and grow Property and casualty agents are facing two major concerns as the year 2008 progresses. First, there's the soft market. An informal survey conducted during the 12th annual Property/Casualty Insurance Joint Industry Forum held in New ...
SELF-CONFIDENCE...YOUR MOST IMPORTANT LIFE SKILL
Aug 01, 2008; Addis, Scott ... Agents who boost their self-confidence also boost their success rate From the quiet analytical physician to the superstar professional athlete to the composed musician, self-confident people have qualities everyone admires. Self-confidence is an attitude that is characterized by ...
ERM: FAVORABLE RESULTS
Aug 01, 2008; Moody, Michael J ... Reports show success Enterprise risk management (ERM) has been the subject of a number of articles and white papers following the recent turmoil in the subprime housing market. Some observers have pointed out that financial institutions were the first to adopt ERM and, to many, it ...
A RISK MANAGEMENT APPROACH TO BENEFITS
Aug 01, 2008; Strazewski, Len ... Analytical approach and year-round services bind clients to agency It's not just the premium that breaks the bank; it's the overall cost of risk that generates doubledigit increases in employee benefits cost every year-and it takes a risk management approach to bring those costs under ...
AGENTS AS HEALTH COUNSELORS
Aug 01, 2008; Strazewski, Len ... Use of CDHPs requires agents to work closely with employers and plan providers Consumer-directed health plans (CDHPs) may be exciting new plan designs for managing and sometimes reducing employer health plans costs, but they aren't without pitfalls. Critics say that by giving employees ...
CATASTROPHE MODELING
Aug 01, 2008; Hunter-Lattak, Joseph J ... Anything but an exact science The American Association of Insurance Services (AAIS) annual conference held in April included a discussion of catastrophe modeling by Robert Healy, senior vice president of ABS Consulting. Catastrophe modeling, commonly referred to as CAT modeling, is a ...
HANDS ACROSS THE BORDER
Aug 01, 2008; Boone, Elisabeth ... The Sitkins Group teams up with Canada's Bauman Consulting to create Sitkins International If you've ever been in the same room as Roger Sitkins and Rick Bauman, the first thing that struck you most likely was their strong physical resemblance. Appearances to the contrary, Rick ...
WORK WOULD BE EASY IF IT WEREN'T FOR DIFFICULT CLIENTS
Aug 01, 2008; Richárd, W L ... Understanding personality types helps in dealing with clients We all know that work would be a whole lot easier if we didn't have to deal with difficult clients. It would be nice if we could avoid them but, unfortunately, we don't usually get to pick whom we have as clients. Many ...
CAPTIVE SERVICE PROVIDERS-A CRITICAL ELEMENT
Aug 01, 2008; Moody, Michael J ... Use care when selecting third-party service providers Tracing the history of the captive insurance company movement over the past 30-plus years, one can see that captives have moved from unique funding mechanisms to a mainstay in the overall risk-financing community. The captive industry ...
"PAY FOR PLAY" MARKET SOFTENS
Aug 01, 2008; Zinkewicz, Phil ... More choices for businesses catering to active recreation enthusiasts A softening insurance market, new entrants coming into the business and a quest on the part of insurers for new premium dollars to replace the premium dollars flowing out of the market as rates drop are all current ...
PAIR PERSONALITIES WITH POSITIONS
Aug 01, 2008; Neumayer, Sean ... This new department, "People Management," will offer a quick overview of various topics to assist agencies make more informed hiring decisions and manage their existing employees for peak performance and long-term retention. Quick, when is it not all right to Lave the words "insurance" ...
PREVENTING SEXUAL HARASSMENT IN THE WORKPLACE
Aug 01, 2008; Carter, Steve ... Prevention reaps benefits for both employer and employee Compared to other employment practices exposures, sexual harassment presents unique management problems-for several reasons. First, sexual harassment exposes an organization to vicarious liability for the actions of its ...
CONVERING ALL THE BASES
Aug 01, 2008; Boone, Elisabeth ... Amateur and recreational sports are big business for Philadelphia Insurance From baseball to bass fishing, from whitewater rafting to Wallyball, Americans love sports and recreation. Whether the aim is fitness, fun, competition, or camaraderie, whether the action is indoors or out, ...
Smart Choice: INSTANT BRAND FOR AGENTS
Aug 01, 2008; Zinkewicz, Phil ... Growth of Smart Choice provides infrastructure for new franchise program The Smart Choice® Agents Program was born more than 20 years ago out of sheer frustration on the part of one man, an independent insurance agent who just wanted to do a better job for his clients. Today, the program ...
MEDICAL TOURISM ON THE RISE
Aug 01, 2008; Zinkewicz, Phil ... Proponents cite Lower costs, reduced wait times Uitil 1858, France's nowamous Lourdes was a juiet, modest town with a population of only some 4,000 inhabitants. Lourdes was a place people passed through on their way to the waters at Bareges, Cauterets, Luz-Saint-Sauveur and ...