Masonry Magazine June 1979 Page. 30
PROPERTY/CASUALTY INSURANCE
Safety groups, these programs are available from a limited number of companies. The name comes from the emphasis on safety, utilizing loss prevention techniques. Each safety group is comprised of individuals in homogeneous areas (e.g.. masons or electricians or building service contractors) who are above average in their insurability. All results for that group are pooled, losses paid out of that pool and, after the deduction of administrative fees by the insurance company, whatever premium is left is returned to the members of the safety group. Best yet, no additional funds need be paid in if there is not enough to pay all claims this comes out of the insurance companies' funds.
It can't be over-emphasized how important good communication with your agent is to the development of a good insurance program. First of all you must make sure that he has a clear picture of your operation so that he can recommend the best insurance plan for your particular situation. Reporting of new job starts to your agent is an important requirement of most insurance contracts.
The mason contractor who is involved in large building projects will look to his agent for regular advice on loss prevention, safety and working conditions. It's not unusual for the large contractor to make his insurance agent a member of his construction management team and have the agent review the job site weekly.
Finally, you should know how to communicate with your insurance company's underwriters. These are the people who to a great extent set your rates, determine coverage availability and accept or reject your requests for coverage. Often the underwriters who review policy applications know very little about the activities and operations of your specific company. Remember that you have the opportunity to communicate this type of information to your insurance company at any time through your agent. You also have an opportunity to explain how your company works when a safety engineer from the insurance company pays you a visit, when the company auditor comes out to go over payroll, receipts, equipment lists. etc., or when a claims person comes out to adjust your claim, or finally when you send in reports to the company on changes in your operation.
These all represent excellent opportunities for you to communicate your management skills and the general insurability of your operation.
CUT STONE OR PRECAST COPING SILLS FACING PANELS ANY COLOR - ANY TEXTURE QUICK SERVICE ANYWHERE CALL COLLECT OR WRITE FOR QUOTES
BOB CRADOCK
314/771-1000
THE STONE CENTER
3200 BRANNON AVE.
ST. LOUIS, MO 63139
For free catalog of all types of stone Firm Name, Address City Phone Title. Zip.
Advertisers' Index
LET THEM KNOW YOU SAW IT IN MASONRY
A
A & B Welding & Metal Products, Inc. 24
American Colloid Co. 27
Anchor Manufacturing Co. 25
B
Fred Beyer 22
Bil-Jax, Inc. 24
Bullard Abrasive Products, Inc. 14
C
Chim-A-Lator Co. 25
Clarklift of Alabama, Inc. 20
E
Robert G. Evans Co. Division, Federal-Mogul Corp. 6
F
G. W. Fisher Associates 28
G
Giant Industries Corp. 28
Goldblatt Tool Co. 22
K
Kem-O-Kleen, Inc. 3rd Cover
Koehring Compaction & General Equipment Group 4th Cover
M
Majestic Co. 13
Mayco Pump Corp. 23
Morgen Manufacturing Co. 2nd Cover
P
Patent Scaffolding Co., Division of Harsco Corp. 10
Pro Products, Inc. 27
S
Safway Steel Products 7
Stone Center 30
Superior Fireplace Co. 3
U
United States Gypsum 4
This Index is published as a convenience to the reader. Every precaution is taken to make it accurate, but Masonry assumes no responsibilities for errors or omissions.
Classified Advertising
Sales Reps and Distributors Wanted
To sell "Jimstars" (masonry decor). See display ad on page 21, July, 1978 issue of MASONRY. Sales Reps are needed to call on brick yards, lumber yards, construction supply centers, etc., for this home improvement product. Jimstars are copyrighted decor that give a personal touch to any masonry facade. Contact: Jimstar & Co., 601 Parkview Ave., Bryan, Ohio 43506, phone (419) 636-3253.
Job Costing Accounts Payable Programs
Job Costing Accounts Payable Program written especially for Construction. Runs in basic for IBM 5110 Computer. Write Com-Tech. P.O. Box 6275 Elmwood Park Station, Omaha, Nebraska 68106.
Position Available
Executive Director for the Minnesota Concrete & Masonry Contractors Association (MC&MCA). Primary responsibilities will include membership growth and retention; servicing our members; developing and implementing new programs for our members. Possible full-time or part-time position. All inquiries will be kept confidential. Send resume of experience, personal and salary histories, and salary expectations to: Minnesota Concrete & Masonry Contractors Association, 8609 Harriet Ave., South, Minneapolis, MN 55420. Or, for further information, call Karen at (612) 881-5823.