Are you the Risk Manager or Patrol Director of a ski resort? Are you confronted with how to lead the competition; provide a safe environment, manage risk and improve your customer's experience. The Smartphone Medic gives you a strategy by which you can improve aspects of your operation, cultivate a strong ethic around safety and risk management, minimise costs of insurance premiums, and harness the power of technology, thus reducing the impact of accidents and incidents on the ski field. Through a variety of case studies, facts, ideas and practical solutions, you will learn how to lead the competition, and improve your customers' experiences. You will also be introduced to Medic52, a smartphone application designed for easy use in challenging conditions. By improving data capture, risk management and patient handling, this app will revolutionise accident management, giving the opportunity for snow safety professionals to make our sport safer. Duncan Isaksen-Loxton, is an Australian ski patroller, Surf Lifesaver, and IT consultant, The Smartphone Medic blends his experience as a first responder with his in-depth knowledge of technology to provide realistic, everyday solutions to improving on-field care.

Born into a humble family in Bogota, Colombia, Gonzalo Jimenez has always been motivated by his desire to be more and do more. After coming to the United States as a teenager, Gonzalo used his creativity and staunch work ethic to continue his education and start a new life in a new country. Today-still a humble man-Gonzalo is blessed with a beautiful family and one of the most successful insurance agencies in the state of Texas. Meaningful is the story of a simple man who followed his passion to build his ideal life. That life not only includes a successful career, but is a life rich with music, family and friends. Read along as Gonzalo shares his story and his heart-how he overcame adversity and conquered challenges to forge his own path and create his own future-a life filled with music, family and friends.

Diese Dokumentation schlagt eine Schneise durch das Dickicht des Versicherungsmarktes der Cyber-Policen. Versicherungen gegen Cyberkriminalitat werden zunehmend wichtiger: Angriffe auf die Informationstechnik von Unternehmen koennen Schaden in Millionenhoehe hinterlassen, beispielsweise wenn sensible Datensatze gestohlen oder Seiten von Online-Shops lahmgelegt werden. Inzwischen bietet die deutsche Versicherungswirtschaft mit speziellen "Cyber-Policen" Schutz gegen eine Vielzahl von IT-Risiken. Doch wie schlagkraftig ist ein solcher Schutz? Welche Versicherer bieten spezielle Cyber-Policen an? Welche Gefahren koennen versichert werden? Welche Rolle spielt der Versicherungsvertrieb und worauf sollten Vermittler und Makler achten? Das sind nur einige der Fragen, denen Umar Choudhry nachgeht.

Organisations and Companies should consider whether they have ensured everything possible has been completed to make their products, processes and procedures safe, and they have concise documentation to prove the actions that has been taken. The purpose of this book is to provide a step by step guide in achieving safety by Hazard Analysis and Risk Assessment that culminates in a safety culture and a duty of care

Ever dream of having the freedom to travel? Do you ever wish you had more time off? Adjuster's Life shows you how to do just that-and get paid for it to boot. Your new business as an Independent Insurance Adjuster is at your fingertips. Now, there's no need to waste time and money going to an expensive school. What you need to know, from resume to payday, is packed inside the pages of this little book. No sales gimmick or hook. Just the simple words of a seasoned adjuster penned with sweat from years of one on one field training. This manual comes not only with words, examples and web-links, but a promise to coach as you build your adjusting career. Do you want to see what it's like to ride through a storm as an adjuster? Well then, what're you waiting for? Jump in-let's roll. This business thrives in any economy, and you can too. Whether you're looking for a rewarding career or just want to become a better adjuster-this is for you.

The Ultimate Medicare Decision-Making formula is designed to simplify and educate readers about the seemingly complicated and confusing aspects of Medicare. It will also enable them to make swift and accurate decisions in regards to their health and prescription drug choices. Developed through thousands of hours working with new Medicare beneficiaries, this proprietary decision making process will allow you as the reader to select the right Medicare health plan for your individual health care needs, lifestyle, and budget. You'll find everything you need to know from when, where and how to apply for benefits, to the optimization of your plan from year to year. In addition to the book itself, readers will also have the ability to access audio-video tools as well as personal assistance via the internet. Finally, the consumer tips following each relevant chapter will help readers avoid common pitfalls associated with the enrollment, and plan selection of Medicare. Although designed primarily for the new Medicare enrollee, this material is relevant to anyone receiving benefits from Medicare.

Gaining Cooperation is designed to help any Workers' Comp Professional who deals with injured workers on a regular basis. Sometimes injured workers can be uncooperative. They may not want to sign a form, give information, or supply documentation, even if it is to their benefit. This book provides the reader with a simple three- step process to not only getting the injured worker's cooperation, but to improving customer service. Some basic maxims are outlined and explained to help the reader gain the cooperation they are looking for. Maxim #1: Great negotiators never argue with reasons, they argue with facts. Maxim#2: You never have to prove anyone wrong, you only have to prove yourself right. Maxim#3: People will consider your point of view to the exact degree that you demonstrate you understand their point of view. This book relies heavily on the "acknowledgment tool" to help the reader see that a little bit of empathy can go a long way.

Broker Executive is a strategic guidebook for business owners and executives to help them get the most out of their insurance and insurance broker. It also describes a new type of insurance broker - the broker executive - as one who adheres to the highest standards of customer service and business ethics. This book gives business executives an understanding of the thought process their broker should go through to find the right solution for them, with an emphasis on the usage of life insurance as a business tool. It identifies some of the hazards of the insurance world, and ways to avoid them. It also uncovers techniques top brokers can use to create additional value using insurance, including succession planning and key personnel retention strategies.

If an elephant sits on you, are you covered? You may laugh, but the question is based on a true story. An American couple was on safari in Africa when the husband walked too close to an elephant while taking a photo. The elephant unexpectedly sat down on the man and killed him. None of us know when disaster may strike, whether it's a house fire, a car accident, or an elephant sitting on you. But you can protect yourself and your loved ones from life's worst case scenarios by securing the right insurance coverage for your situation. In If an Elephant Sits on You, Are You Covered? top insurance agent Bart Baker walks you through the steps to safeguard the people and things you love from unforeseen catastrophes. Using his acclaimed Gap Elimination Process, Baker guides you through the nuts and bolts of eight key insurance categories: homeowners, auto, umbrella, life, long-term care, disability, natural disasters, and collectibles. Filled with engaging stories, inspiring experiences, and sound advice, this book shows you how to build a matrix of security around the things that matter most in your life. Practical tips and questions also guide you in making wise choices for maximum protection in the most cost-effective ways. Finally, suggestions on how to choose insurance agents support you in securing the best agent for your unique insurance needs. With this book, you have a powerful tool for protecting you and your loved ones from unexpected disaster. You have a way to avoid elephants."

According to stakeholders with whom the United States Government Accountability office spoke, several conditions must be present to increase private sector involvement in the sale of flood insurance. First, insurers need to be able to accurately assess risk to determine premium rates. Second, insurers need to be able to charge premium rates that reflect the full estimated risk of potential flood losses while still allowing the companies to make a profit, as well as be able to decide which applicants they will insure. However, stakeholders said that such rates might seem unaffordable to many homeowners. Third, insurers need sufficient consumer participation to properly manage and diversify their risk, but stakeholders said that many property owners do not buy flood insurance because they may have an inaccurate perception of their risk of flooding. This book addresses the conditions needed for private sector involvement in flood insurance and strategies for increasing private sector involvement.

Consumers may obtain health insurance from a variety of public and private sources, which can help protect them from the costs associated with obtaining medical care. Health insurance typically includes costs to consumers, which may vary for a number of factors, including scope of coverage, cost-sharing provisions, and federal or state requirements. Recent federal laws --specifically, PPACA and the Children's Health Insurance Program Reauthorization Act of 2009 (CHIPRA) -- further define coverage and cost parameters for certain health insurance plans available to consumers now and in 2014, when exchanges are required to be operational, and include provisions to increase children's access to coverage. This book provides a baseline comparison of coverage and costs to consumers in separate CHIP plans and benchmark plans in select states; describes how coverage and costs might change in 2014; and describes how access to care by CHIP children compares to other children nationwide.

Workers' compensation insurance covers nearly all workers in the U.S. and provides those who are injured or become ill as a result of work with medical treatment, a portion of lost wages, and a lump sum for some permanent impairments. Nonetheless, there are limitations to conducting studies that rely on workers' compensation records since not all injuries and illnesses result in claims being filed. Furthermore, the data that are collected are not readily combined if obtained from multiple sources since requirements vary substantially among the states. This book was written to help describe elements of the workers' compensation insurance programs in the U.S. and the potential to utilise the records for public health purposes. This book also focuses on several key policy issues facing the program, including the disproportionate share of claims and program costs attributed to postal workers, the payment of FECA benefits after retirement age, the overall level of FECA disability benefits as compared with those offered by the states, and the administration of the FECA program.

Do you know what percentage of your income the government defines as "affordable" when it comes to what you will pay for your health insurance? Will you be eligible for government subsidies? If your employer offers you coverage you may not be, even if you don't take it. Do you know why most Americans under 65 will not be able to keep the health insurance that they currently have? In this book you will find concise explanations about the sweeping changes Obamacare brings to health insurance in America, what it means to you and what your options are. When finished with this short read you will have a comprehensive knowledge of how this law affects you and things that you can do right now that will save you money in the future. What you will not find in this book is theory, rationale or politics. Obamacare is the law of the land in America and beginning in 2014 it is going to have a huge impact on the way Americans obtain and pay for their health insurance. What you need are the facts provided here, everything else is academic. This book is a must read for every American under the age of 65. For over 30 years, Ronald's clients have benefited from his expertise as a benefits broker and his ability to explain complex matters in easy to understand, simple English. This book deals with Obamacare in that same manner.

How to Beat Obamacare briefly covers the most important parts of the Patient Protection and Affordable Care Act signed into law in 2010 by President Obama. It gives a framework for making smart choices in the new healthcare environment.

If your goal is to pass your insurance test the first time without the hassle of big thick study books, the Life & Health Insurance, Iowa License Exam Manual is right for you. Every effort has been made to reduce the number of pages necessary to pass the test. The fresh format has smaller bites of information. Each exam topic is followed by multiple choice questions to reinforce your learning. Designed to stand alone or be used as a supplement, this easy to read manual is complete with a table of contents, insurance text, over 500 multiple choice practice questions, study tips and test taking tips. You will learn the exam topics needed to successfully pass your Life insurance test: types of policies, policy riders, provisions, options, exclusions, completing the application, underwriting, delivering the policy, taxes, retirement, other insurance concepts, and Iowa rules and regulations. Health insurance test topics include: types of policies, policy provisions, clauses, riders, social insurance, field underwriting procedures, other insurance concepts, and Iowa rules and regulations.

Old Risks-New Solutions, or Is It The Other Way Around is the latest in a series of volumes which examines new developments in the political risk insurance (PRI) industry. Based on presentations made at the 2010 MIGA Georgetown Symposium, it provides important insights into challenges facing investors and practitioners from the political risk insurance (PRI) industry, including investors, insurers, brokers, lenders, academics and members of the legal community. This volume reflects the key issues which have faced investors and insurers alike including arbitration and a dynamically evolving marketplace. Contributors to this volume reflect on the evolution of the PRI industry during a period of dramatic changes in the marketplace. Not only has the crisis had a tremendous impact on the volume of investment projects, particularly into developing countries, but also on the perception of risk and claims management. The volume begins with a look at the global market place in the aftermath of the financial crisis from an insurer's perspective. It continues with an overview of claims experience and key issues investors should understand when relying on bilateral investment treaties. The volume then examines challenges facing investors and insurers alike when considering sovereign risk within the context of political risk. The volume concludes with an overview of the PRI industry and its evolution over time - how did insurers see the global marketplace evolving over time, what are they predicting now, and how much has it really changed? Old Risks - New Solutions provides valuable insights for practitioners and investors alike, particularly in today's turbulent and uncertain markets.

"Commercial Insurance Claim Secrets Revealed is Russell D. Longcore's follow-up book to his Top Selling book "Insurance Claim Secrets Revealed." This new book concentrates on commercial insurance claims, and shows you how to take control of your commercial insurance claims, and collect thousands more dollars in your claim settlements Russell D. Longcore release his first book, "Insurance Claim Secrets Revealed" in June 2007. By October 2007, the book had reached the Number One Position for insurance claims books at Amazon. It has remained in the #1 position every month continuously to this very day in 2012..nearly FIVE YEARS AT THE TOP The book is also the #1 book on insurance claims for the most general search term "Insurance." "Commercial Insurance Claim Secrets Revealed is the best book you can own on the strategies YOU need to use to get the insurance companies to pay you ALL the money you are entitled to collect when you have a commercial claim. Wouldn't you agree that nothing else matters about insurance other than getting the claim PAID IN FULL? In this book, you will learn: - The games and scams insurance companies use to cut costs and keep claim payments at the lowest amounts possible - When it's the right time to use an attorney - How you can take control of your claim, and not allow the insurance company or claims adjuster to control YOU - What a Public Adjuster is, and the valuable help you can get from Public Adjusters - That the insurance adjuster is NOT there to help YOU - and much more You will learn: - Insider tips about the Commercial Package policies that might save your business - Why Liability Insurance can be more important than Property coverage - Business Income claims can make you or break you. Learn how to win - About Diminished Value on automobiles, and how it can cost you THOUSANDS if you don't fight - Inland Marine coverage: You can't live without it - The Co-Insurance Clause: Miss this and lose untold thousands at claim time - Hopelessly deadlocked with the insurance company? Win with the Appraisal Clause - Using The Unfair Claims Practices statutes to protect yourself and WIN - And so much more Ask yourself these questions: Do you carry a spare tire and jumper cables in the trunk of your car? Do you have a toolbox at home? Have you ever bought a book or read an article that showed you how to fix something? Do you own a first aid kit? Do you have a fire extinguisher or smoke alarms in your home? Why would you do ANY of those things? Answer: So you are prepared BEFORE something bad happens. READ THIS BOOK BEFORE SOMETHING BAD HAPPENS TO YOU READ THIS BOOK AFTER SOMETHING BAD HAPPENS TO YOU, TO KEEP IT FROM GETTING WORSE This book should be on the desk of every CEO and CFO in America.

How much do you pay for your auto insurance? If you are reading this, the answer is most likely "too much " You are looking for information that will help you save your hard-earned dollars, and you have found it.

"Ten Questions" has been completely updated, revised, and expanded for 2012. It has also been reformatted for the Kindle at last, and the most effective way to use the guide is to own both the ebook and paperback versions.

"Ten Questions" is not a book for "dummies," but it is an easy to use, half-hour read, specifically designed to help save you money.

It is a comprehensive and detailed explanation of the underwriting process involved in determining the amount of premium you pay. The facts and clear examples included in the guide are based on my years of experience as a top-rated Sales Agent, and the thousands of auto insurance policies I personally have sold.

Chapter One, "Risk" will help you understand what factors are used to determine your rating "tier," and how to improve them. The amount of premium you pay is determined by the amount of "risk" you are seen to represent. Much of that determination is made through your answers to a series of questions you will be asked, either online, or in person by an agent. These are the "Ten Questions" referred to in the title.

Chapter Two, "Discounts" contains a detailed description of nearly every available auto insurance discount, and how to obtain them. A single 5% discount that you have been missing each policy term is costing you far more than this guide will. You will also gain the knowledge that you will need to progressively lower your rates over time.

Chapter Three, "Coverages" is a comprehensive explanation of nearly every available auto insurance coverage, including what each one does, (and does not do) for you, and how to the determine the proper balance of cost versus benefit when choosing them. When you finish reading it, you will know more about auto insurance than most agents do. "Ten Questions" isn't about getting the cheapest policy at the cheapest price: It's about getting the best policy at the best price.

Chapter Four, "Sample Quote Process," is your ultimate weapon in getting your new policy, because it details an actual phone quote in real time, along with the "correct" answers to the "Ten Questions." Knowledge is power, and this guide is a very powerful tool that you will be able to use as long as you are driving and insuring vehicles.

Advanced Topics is new for 2012, and this section includes "Youthful Driver Strategies," and "State Specific Information," such as a layman's explanation of so-called "No-Fault" coverages, and "Full," versus "Limited" Tort.

The Appendix contains all the technical terms that are used in the guide, to help you understand the "trade talk" in the auto insurance industry.

This guide will save you money in several ways, including: It will help you find and qualify for discounts. It will show you how to improve your rating tier, and lower your "base rate." It will help you allocate your premium dollars more effectively, so that you get the best coverage at the best price.

Find out what the insurance companies don't want you to know, like the fact that you can switch carriers any time you want, as often as you want. You do not have to wait until your current policy renews in order to do so.

Learn the answers to the "Ten Questions "today, and get a better policy for less money, tomorrow.