How to Select a Property and Casualty Insurance Agent

Posted on October 16, 2011 by Dr. David Edward Marcinko MBA MEd CMP™

Eschewing Conventional Wisdom

[By Dr. David Edward Marcinko MBA CMP™]

http://www.CertifiedMedicalPlanner.org

In my travels, and various consulting engagements, I am often asked how to select a good PC agent. As a former insurance agent myself, I know what is required for my medical colleagues. And, there is no doubt that a good property and casualty (P&C) agent is needed to protect the physicians’ home and medical practice business entity, etc.

No Dedicated Agents

The P&C agent should not be dedicated to a single company, but have an array of carriers with which the home or practice can be placed.  I opine thusly even though most insurance companies will offer a discount if you place multiple coverage with them.

Select “Best of Breed”

However, this may not be as beneficial as insuring each need with a specialist. So, do not hesitate to place different types of coverage with different insurers. Selecting the “best of breed” may be more work; but it also may be more beneficial when a claim is made.

Assessment

Remember, by agency law, and definition, P&C agents are not fiduciaries.

Conclusion

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What is a Forensic Investigator?

Posted on October 16, 2011 by Dr. David Edward Marcinko MBA MEd CMP™

Think – CSI on TV

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According to WiseGeek.com, a forensic [medical] investigator works with police and [health] departments to solve crimes. Becoming a forensic investigator usually requires a bachelor’s degree in biology, chemistry, or a related field.

Expert Witness Work

When a forensic investigator is not investigating crime scenes, s/he may be found filling out paperwork or testifying in court. The work of a forensic investigator is often done as part of a team, especially in larger police departments. Smaller departments might share one or two forensic investigators among themselves.

Source: www.forensicsciencecolleges.org/organization_files/277/employmentwagesgraphs-investigator.png

Conclusion

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