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2. Focus on what will change because of having the conversation, not how uncomfortable it might be. Reward yourself for having the courage to initiate the conversation. You might even say to yourself, “As soon as I’ve had this conversation, I’m going to celebrate by… (The more difficult the conversation, the greater the reward!)
3. Put your attention on a common goal. If it’s a stressful situation and you’re really at odds with one another, you can always focus on how both of you would like less stress in your life. Keep in mind how this will help move you both forward. If you're reluctant to having the conversation,[link widoczny dla zalogowanych], you might ask yourself,[link widoczny dla zalogowanych], “What’s the payoff for me not having this conversation?” (e.g. pity from my friends, I get to stay small, etc. etc.)
By Pamela Ziemann
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Think of the last uncomfortable conversation you've had,[link widoczny dla zalogowanych]. What were some things that made it go well for you? What would you do differently next time? Thanks for sharing and adding to this conversation,[link widoczny dla zalogowanych].
Timothy Ferriss, author of The Four Week Work Week talks about the importance of having uncomfortable conversations in this current economy and how it relates to small business success.
5. Plan enough time so neither of you feels rushed. Keep in mind the impression this conversation will have on your brand. While you’ve carved out enough time for this conversation,[link widoczny dla zalogowanych], you'll also want to be deliberate on your next step. Leave when everything has been said and move on to your next goal. Don’t spend too much time replaying it in your mind.
Personally, I think a lot of us come to life when someone mentions the unmentionable. Think of Seinfeld. They brought up so many taboo topics,[link widoczny dla zalogowanych], they had viewers coming back for more. When I look back at my own business, I realize how it stagnated when I held back saying something that needed to be said. There’s something very gutsy and admirable about people who say what others might be thinking. Why don’t more of us do it? If you’re like most people,[link widoczny dla zalogowanych], you've heard the old cliche, “If you don’t have anything nice to say, don’t say anything at all.” Well,[link widoczny dla zalogowanych], those days are over. If you don’t want to be the 'nice guy' who finishes last, it’s time to learn how to have an uncomfortable conversation. You can do it without burning bridges and actually be more connected. It is possible to have uncomfortable conversation while adding a twist of compassion.
1. Plan for it when you can think critically rather than emotionally. Set up a time that works for both of you. Tell them you have something important you’d like to talk with them about, what it is and about how long it will take. Having an appointment insures that you’ll be proactive rather than reactive. Just because you heard it’s a good idea to have an uncomfortable conversation doesn’t mean you’ll want have it when you’re stressed out. It can be tempting to send an e-mail, but it’s not the best way to have an uncomfortable conversation. After all,[link widoczny dla zalogowanych], e-mail is a one way point of view (your view), conversation is two way. Letting the other person have a voice and then understanding it from their point of view helps them feel good about it too.
Here are 5 tips for making uncomfortable conversations a little easier for everyone.
4. Ask more questions with compassion. Not to be swayed, but to understand what’s going on for them. It’s easy to start assuming when we haven’t opened up the dialogue. The stories can get pretty elaborate in the circus of own minds. Maybe they’ve been looking for a way to bring it up with you. If you feel it’s uncomfortable, chances are they feel tension too. We don’t really know what’s going on for them until we hear it directly from them.
The experts agree that having uncomfortable conversations is the best way to succeed in your business,[link widoczny dla zalogowanych].
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Close to 1/10th of the entire population of the world is registered on social networking websites. Most of them have a profile on Facebook, most use Twitter and all the professionals are registered on LinkedIn.

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Our skin will show symptoms while suffering from this disorder. The most common symptom of this skin disorder is red, inflamed, flaky skin. Generally, the rashes may appear white or silvery,[link widoczny dla zalogowanych], due to dryness of skin cells. In addition, few patients may also suffer from itchy skin with slight pain or irritation. Moreover, the doctors commonly recognize this disorder on the basis of its visual appearance. In addition,[link widoczny dla zalogowanych], the doctor may recommend skin biopsy to confirm his diagnosis. There are many home remedies for psoriasis which have served the patients effectively, but only few effective remedies are mentioned ahead for effective treatment of this skin disorder.
Although, the exact cause of this skin disorder is unknown. But, experts believe that this skin disorder may occur due to some fault in the immune system. Moreover, the immune system of our body tells our brain about the needs of our body, and brain counteracts accordingly. And, when immune system send false signals to brain to increase production of skin cells, the brains starts producing more skin cells which get deposited over each other but, the home remedies for psoriasis may strengthen the immune system due to which it will stop sending faulty messages to brain. In addition, genetic factors, and environmental conditions may also lead to this unwanted disorder.
Psoriasis is a non-contagious chronic immune-mediated disorder that affects the skin. Moreover, a person suffers from this disorder when immune system sends faulty messages to the brain to speed up the growth of skin cells. In addition, experts found that there are five types of psoriasis, and plaque psoriasis is the most common skin disorder amongst other five, which can be cured effectually by home remedies for psoriasis. In this skin disorder, the first layer of skin forms red and white hues of scaly patches but,[link widoczny dla zalogowanych], most of the patients do not show any dermatological symptoms. Moreover,[link widoczny dla zalogowanych], nearly 3 percent of the world population suffers from this disorder, and many patients have experienced that the home remedies for psoriasis are effective in treating this undesired skin disorder.
Author&#039,[link widoczny dla zalogowanych];s Bio:&nbsp,[link widoczny dla zalogowanych];
6. Take some soap nuts, and boil them in water for 15 minutes. Strain the water, and apply it on effected areas to quicken the treatment.
2. Mix 2 tablespoons of almond powder in a cup of water, and boil it until the excess water evaporates. Apply the paste on the affected areas,[link widoczny dla zalogowanych], and leave it overnight. Next morning wash gently with warm water.
5. Soak some sesame seeds in a glass of water, and leave it overnight. In the morning drink the water along with the seeds.
By Dr Easton Patrick
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In conclusion, the above mentioned home remedies for psoriasis are simple yet very effective. Moreover, it is advised to keep skin moisturized. In addition, it is also recommended to choose skin care products wisely because wrong skin care products may worsen the condition. Also,[link widoczny dla zalogowanych], it will be helpful to avoid smoking cigarettes and alcoholic beverages. Furthermore, avoiding too spicy and too oily foods may also help to get rid of this irritating skin disorder quickly.
1. Apply thick moisturizer after taking bath, because the dryness of skin may worsen the condition.
4,[link widoczny dla zalogowanych]. Prepare a dilute solution of water and lemon juice. Apply it on the psoriatic patches.
3,[link widoczny dla zalogowanych]. This is one of the simplest yet most effective home remedies for psoriasis. Cover the affected areas with a fresh banana leaf,[link widoczny dla zalogowanych].
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On this lovely and lighting Diwali, there is nothing special gift then the chocolates!!! And if it is homemade chocolates then everyone will wet their mouths after seeing those chocolates.

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The Hong Kong magazine,[link widoczny dla zalogowanych], International Financial Review Asia,[link widoczny dla zalogowanych], has selected the Korea Asset Management Corp. (KAMCO),[link widoczny dla zalogowanych], Korean Air,[link widoczny dla zalogowanych], and Korea Telecom as top organizations in the fields of financial restructuring,[link widoczny dla zalogowanych], aircraft financial transactions,[link widoczny dla zalogowanych], and capital transactions,[link widoczny dla zalogowanych], respectively,[link widoczny dla zalogowanych], for 1999. The awards ceremony was held on Monday in Hong Kong. KAMCO,[link widoczny dla zalogowanych], in particular,[link widoczny dla zalogowanych], was cited for its efficient liquidation of assets and fair and transparent international billing procedures in disposing of its bad loans. These three firms were chosen among businesses in various Asian countries.
(Hahm Young-joon,[link widoczny dla zalogowanych], [link widoczny dla zalogowanych])
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Japanese news media reported Friday that Korea's five largest business conglomerates, Hyundai, Samsung, Daewoo, LG and SK, all plan to increase their paid-in capital by more than W15 trillion in total this year.

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the day before yesterday afternoon 5 when starting from Fuzhou City, has been running more than 600 kilometers of road. The driver said, the time of the incident, the strong smell of diesel fumes in the tunnel, diesel leak.
after 10 minutes, a car from Jiangxi to Nanan van docked here, the driver to get off view. At this time, from the rear of the car slipped a cement tanker, violent impact, the van body serious deformation,[link widoczny dla zalogowanych], the car 6 by relatives and friends, 2 people were killed,[link widoczny dla zalogowanych], 1 people died in the hospital after,[link widoczny dla zalogowanych], 3 people were injured.

After
bus as the min G licence, most of the passengers are going home for the winter solstice. The bus is Fujian Long Yun Corporation,[link widoczny dla zalogowanych], nuclear load 18 people, carrying 18 passengers, two passengers died. Death and the F half hanged tractor driver after hospital.
, the rear two trucks for not brake the car rear end collision, a truck rollover, flames. Within a very short time, high speed road stranded vehicle miles.
Van
on the other three the identity of the deceased to be preliminarily >, the traffic police
reporter the interview,[link widoczny dla zalogowanych], the reduction of the whole process of three accident.
from the start to the day yesterday morning at one ten, eight fifteen in the morning, from spring three high-speed Yongchun segment of the horse jumped to Daping tunnel tail tunnel,[link widoczny dla zalogowanych], 22 km, 7 hours three chain collision accident apart, what happens?
yesterday morning at eight fifteen PM, spring three highway B Yongchun ocean Da Ping Wei exit tunnel about 200 meters, is a long downhill, a license plate number for the H min brand heavy half hanged tractor,[link widoczny dla zalogowanych], hit is driving a pickup truck and a bus, and then crashed into a black car the car.
horse jump car Lianzhuang inside the tunnel, the tunnel wall marked
yesterday at 1 pm, the sky with rain, spring three 87 km highway B domain jump tunnel mouth, 5 car collision, two lane tunnel blocked.
Mr,[link widoczny dla zalogowanych]. Wu
The
is a rear end collision of three cars stopped, no injuries. 2 minutes later, the bus driver to evacuate the passengers,[link widoczny dla zalogowanych], six or seven passengers to get off. A GaN F license semi-trailer towing vehicle towards the rear end of the team after the hit,[link widoczny dla zalogowanych], hit a car license in Beijing truck, bus also bumped to turn around.
08:15-08:17 2 minutes two collision caused 6 dead and 11 wounded
is located in Da Ping Wei tunnel of the scene is a mess of
van driver said,[link widoczny dla zalogowanych], he and the Wu Jianguo 6 people are the people of Jiangxi, Wu Jianguo and Li Shuihua are husband and wife, Wu Tianci is their son; Li Ping is the nephew of Wu Jianguo. Four days ago,[link widoczny dla zalogowanych], Li Shuihua's uncle died, three of them went back home for the funeral.
the cement tanker drivers Liao said, his speed is not fast, but the road slippery, just not brake the car.
01:10 rain plus diesel leak 9 car tracing cauda 3 dead 3 injured
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Lucas doing business in Quanzhou. He ordered 2 point yesterday afternoon flight, going back home in Brazil for christmas. Can not think of, new problems crop up unexpectedly. Is, yesterday morning pack, but found it was missing, to call his girlfriend A Ling, but A Ling shut down.

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The stock market is getting hotter and the boom is not just restricted to major cities,[link widoczny dla zalogowanych], but is spreading to small regional towns and even to the countryside. Some farmers are selling their orchards and farm land to raise money to invest, white collar office workers are taking out loans and university students are even investing their tuition money and rent. More than W14 trillion was poured into the Korean stock market last week,[link widoczny dla zalogowanych], and including standby funds, this is predicted to rise to W30 trillion.
It is only natural for the Korean stock market to begin to climb again as the economy is starting to recover from the economic crisis. The imminent value (present stock value) of Korean companies had been underestimated and therefore it is good that their stock price undergo a correction. Some people are being optimistic and predict that the general Korean stock price index will soon reach the 1,000 level.
On the other hand,[link widoczny dla zalogowanych], however, the recent huge gains on the bourse contains inherent hazard. From past experience,[link widoczny dla zalogowanych], many people who invested their life savings into a hot stock market,[link widoczny dla zalogowanych], lost it all when the market suddenly plunged. Therefore, while the current increase in the stock market is indeed good news for Koreans to be grateful for, all investors should bear in mind of the investment dangers inherent beneath the heat. The Bank of Korea said that there is a 'gap' in the market as the Korean economy recovers,[link widoczny dla zalogowanych], and warned of gambling in stocks and real-estate investments.
Stock investors advise to invest in a company after meticulously analyzing its profit earnings ratio, and not to invest with loans or without any reserves at hand,[link widoczny dla zalogowanych], since gambling on the market brings along a considerable amount of risk. In addition,[link widoczny dla zalogowanych], if all foreign investors retreat from the market,[link widoczny dla zalogowanych], the stock index can plunge again. It is,[link widoczny dla zalogowanych], therefore, important to have this in mind,[link widoczny dla zalogowanych], and keep an eye on the movements of foreign capital.
(May 9,[link widoczny dla zalogowanych], 1999)
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Japanese news media reported Friday that Korea's five largest business conglomerates, Hyundai, Samsung, Daewoo, LG and SK, all plan to increase their paid-in capital by more than W15 trillion in total this year.

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One field that has been growing dramatically over the last decade is medical transcription. Medical transcription services, especially seasoned companies,[link widoczny dla zalogowanych], are able to secure many new business opportunities that have not existed until the last couple of years.
After the Factor advances funds from the service’s invoices,[link widoczny dla zalogowanych], they will move towards collecting on the invoices from the service’s customers, abiding by the original payment agreements made between the service’s customer and the service itself. Then, after collection,[link widoczny dla zalogowanych], the Factor will return the difference in funding to the service,[link widoczny dla zalogowanych], minus any germane fees.
Accounts receivable factoring typically requires that a given medical transcription service works with what is known as a “factor”. The Factor will purchase the service’s outstanding invoices at a slightly discounted rate, typically between 70 and 90% of the invoices’ written value. For example, if a medical transcription service has outstanding invoices totaling $200,000,[link widoczny dla zalogowanych], a factor might pay 80%, or $160,000 up front.
That being said, apart from whether medical transcription services are new or established, cash flow can still become a problem. Without proper funding,[link widoczny dla zalogowanych], it can become quite difficult to grow a business,[link widoczny dla zalogowanych], such as a medical transcription service. A great way to alleviate such problems is to generate capital via accounts receivable financing.
Accounts receivable financing will prove to be a good match for any medical transcription service,[link widoczny dla zalogowanych], as long as their customers or clients have good credit, and the service has outstanding invoices, enabling the business to grow easily.
By Lanette Tucker
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Medical transcription services are sure to find that accounts receivable factoring is the perfect financing method for their needs: it allows medical transcription services to expand naturally,[link widoczny dla zalogowanych], taking on new business ventures. Rather than relying on their cash-on-hand, medical transcription services can leverage their existing invoices to raise this essential cash immediately, instead than waiting the standard 30+ days for other financing options. In addition, medical transcription services no longer have to worry about collections — the Factor will take care of all of this.
Accounts receivable factoring or financing is an excellent way for any type of company,[link widoczny dla zalogowanych], young or old,[link widoczny dla zalogowanych], large or small, to secure funding. Accounts receivable factoring allows medical transcription services to utilize their existing business as collateral for funding. Rather than pursuing traditional means of financing, such as a bank loan, medical transcription services can earn money from customers they already have, as long as the medical transcription service has outstanding invoices from clients with a good credit rating.
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On this lovely and lighting Diwali, there is nothing special gift then the chocolates!!! And if it is homemade chocolates then everyone will wet their mouths after seeing those chocolates.

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U.S. President George W. Bush chose the spread of ��freedom" as the keynote of his second-term inaugural address,[link widoczny dla zalogowanych], pledging to use the force of freedom to support democracy,[link widoczny dla zalogowanych], "with the ultimate goal of ending tyranny in the world."
Bush told oppressors around the world that the way to better relations with the United States lies through treating their own people properly. As for the oppressed,[link widoczny dla zalogowanych], they must stand up for their freedom and will find that Washington stands with them,[link widoczny dla zalogowanych], Bush said.

The U.S. president believes that democratizing dictatorships ultimately contributes to U.S. security. He said the Sept. 11 terrorist attacks revealed that it was no longer enough to simply defend one��s borders,[link widoczny dla zalogowanych], adding that nuclear and terrorist threats begin with attempts by undemocratic regimes to direct their systemic crises toward the outside. The remedy for this,[link widoczny dla zalogowanych], Bush believes, is to change the nature of the regimes.
North Korea is likely to be a major target of the president��s foreign policy line - one of the few countries to have remained a consistent target through Bush's first and second terms. He stressed stopping nuclear development in the first term and ending tyranny in the second, and Pyongyang fits the bill for both aims.
The blueprint for the Bush foreign policy is the book "The Case for Democracy" by the Israeli politician Natan Sharansky, who argues that the North Korean threat is posed not by the weapons themselves but by the fact that fundamental flaws in the regime are driving Pyongyang��s arms buildup. The Bush administration is expected to raise the issue of human rights once nuclear development has been addressed, and it will ultimately seek to transform the North Korean system.
Bush's call for an end to tyranny is bound to spark controversy,[link widoczny dla zalogowanych], not so much in terms of ethical justification,[link widoczny dla zalogowanych], but in terms of methods to achieve it. Countries directly named such as North Korea,[link widoczny dla zalogowanych], as well as others disagreeing with Washington��s unilateralism, will not be pleased. But U.S. foreign policy is a decisive factor determining the political situation on the Korean Peninsula,[link widoczny dla zalogowanych], and with our national fate so intimately involved we cannot editorialize like any other country. Should Washington��s strategy and Pyongyang��s reaction to it lead to a head-on clash,[link widoczny dla zalogowanych], it would put the stability of the Korean Peninsula on the line.
Our own government must gather all its wits to find a way to secure peace and stability in the Korean Peninsula while resolving issues like North Korea��s nuclear weapons and human rights abuses through policies directed at both Pyongyang and Washington,[link widoczny dla zalogowanych]. Concrete plans are needed to show that South Korea is truly playing the ��leading role�� the government is talking about at every opportunity.相关的主题文章：

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In the MapReduce framework there is a large distributed sort which consists of hot spots as defined,[link widoczny dla zalogowanych].
By Jennifer Thomas
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• an input reader
• a Map function
• a Reduce function
• a partition function
• a compare function
• an output writer
MapReduce is a framework that is designed to process huge datasets. It uses a large cluster of computers which are called as nodes to perform the computations. This computational processing is done on data stored either in a file system or within a database. In MapReduce applications,[link widoczny dla zalogowanych], there are basically two components namely,[link widoczny dla zalogowanych], map and reduce. In Map step,[link widoczny dla zalogowanych], the master node receives the input, partitions it into smaller sub-problems,[link widoczny dla zalogowanych], and the finally distributes those to worker nodes. This is again repeated by the worker node leading to a multi-level tree structure. The smaller problems that are made in the worker node process each one of them and pass the answer back to its master node. On the other hand, the reduce step takes the answers and combines them in some way to get the final output.
Reduce function in the MapReduce framework calls each reduce function once for each unique key in the sorted order. This Reduce function can iterate through the values which are eventually associated with that key. The output value can be 0 or some more values as well. Another important function is partition function where each Map function output is allocated to a particular reducer. This is done with the help of the application's partition function. Then comes,[link widoczny dla zalogowanych], a comparison function, which is used to run and sort the Map function. Then there is another very important function called as the output writer. The output writer is used to write the output of the Reduce function to the distributed file system,[link widoczny dla zalogowanych], often called as stable storage.
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Here,[link widoczny dla zalogowanych], Input reader basically divides the input into appropriate size splits. The MapReduce framework then assigns one split to each Map function. There is a distributed file system from where the input reader reads data and generates the required key/value pairs. Another component namely Map function takes a series of key/value pairs,[link widoczny dla zalogowanych], processes them and then generates zero or more output key/value pairs. Often the input and output types of the reduce function is different from each other.
Each component in the MapReduce applications is important and even if one is missing or not properly optimized,[link widoczny dla zalogowanych], the results would not be as expected. For defining a MapReduce framework correctly you need to understand each component closely, for which you must read online tutorials. Explore the online resources and make use of this application and serve your various important purposes.
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It started on Saturday. I was speaking with my dad about how I was having a challenging time with the fact that my fiancé has a little 3 year old, and how I’m having to get used to the crying and all the other little things a three year old goes through.

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A Behind the Scenes Look
How Your Professional Liability Premium is Determined
To those outside of the insurance industry it may appear that professional liability premiums are determined somewhat randomly by people with limited knowledge of the design profession. As a former underwriter turned broker, I am here to tell you that this misconception couldn’t be further from the truth. Your professional liability premiums are established through a process involving the assessment of several factors over which you have some power to influence.
Looking through the eyes of an underwriter, design professionals can gain an edge in obtaining the best possible insurance premiums with the use of a thoughtful application submission. The article below describes the factors underwriters use in developing quotes for professional liability insurance.
What your application tells underwriters
When an underwriter receives your application their immediate task is to evaluate your firm’s potential loss exposure. The two basic types of loss exposure are frequency and severity. Underwriters use the information on your application to calculate the probability of your firm experiencing claims over the life of the policy and furthermore, if you have a claim,[link widoczny dla zalogowanych], how much it will potentially cost.
However,[link widoczny dla zalogowanych], before even considering the merits of an individual firm, insurance carriers already have defined what type of firm is a “good risk” for their company based on previous experience. They try to attract as many such firms as they can with various coverage differences and program enhancements but the primary lure is price. Their objective is to set a price that attracts good risks but still allows for an underwriting profit. This is complicated by the catastrophic nature of professional liability claims in the A/E industry. Losses tend to be quite large with a recent statistic stating that the average indemnity payment for a paid loss is upwards of $350,000. As a result,[link widoczny dla zalogowanych], the many end up paying for the few.
Design firms need to make their business look attractive to the insurance company in order to obtain the best possible terms. The first step in this strategy is to identify the different risk factors and then present your firm in the most positive way. While numerous factors determine the risk that your firm poses to an insurance company,[link widoczny dla zalogowanych], for the purpose of this discussion we will focus on the most critical areas.
Area of Practice
There is not much that you can do to influence an underwriter in this category. You are what you are. But it may be helpful to understand how the insurance company evaluates each discipline when it comes to their exposure to risk. The most common discipline in most insurance companies’ books of business is Architects. As a result, insurance carriers tend to use their rates for architects as base from which to determine rates for other types of firms.
There are two disciplines that tend to pay a higher rate for their insurance than Architects: Structural Engineers and Geotechnical Engineers. Keeping in mind that underwriters are always thinking about exposure to loss, the question they asks themselves is “ what happens if there is an error in a structural calculation or a geotechnical report?” In many cases the project is stopped or even scrapped with a worst case scenario being a collapse. Because of this, Geotechnical Engineers take the unenviable position of paying the highest average rate in the industry with some carriers charging as much as two times what Architects will pay. Structural Engineers pay a much higher rate as well but they tend to be roughly 1.5 times more than Architects.
The professional discipline seen as having the lowest exposure to loss and thus paying the lowest rate is Electrical Engineers. Going back to the basic underwriting question, if an Electrical Engineer makes an error,[link widoczny dla zalogowanych], the damage and corresponding fix is usually far less than a foundation issue or an insufficient support beam. There are always exceptions but the claims statistics strongly support this evaluation. Positioned somewhere between Electrical Engineers and Architects sits Mechanical Engineers, Surveyors,[link widoczny dla zalogowanych], and Civil Engineers with Civil Engineers having a rate that most closely resembles that of Architects.
Location of Projects
The location of your practice or more specifically, the location of your projects, does have bearing on the rate that is determined for your firm. Claims statistics show that the probability of a loss on a building in Miami, Florida is much different than a building in Flagstaff, Arizona. There are many theories as to why this is the case, but the statistics clearly show that a higher rate is needed in most major metropolitan areas as opposed to most rural areas. Again, there are exceptions to every rule, but the statistics on this topic are definitive.
Type of Projects
Rate factors in the area of project types, more so than any other, presents the greatest amount of differentiation amongst the various insurance carriers based on their individual statistics and beliefs. Understanding the “sweet spots” of the different carriers and matching your firm’s characteristics with the best markets is the job of your insurance advisor, your broker. As a design professional, you cannot possibly know all of the different markets and specifically which markets best suit your firm.
In general, project types that are seen as the least “risky” in the eyes of the insurance company are those which tend to have less individuality in the design and have less emotional attachment than other project types. This includes projects such as office buildings, banks, retail, and most commercial projects.
Project types that tend to be more of a challenge from a risk perspective are those which are more unique to their individual locations and have a much greater bodily injury exposure than the others. They can also run quite large in scale which increases the physical damage exposure exponentially. These include schools, jails, industrial plants, bridges, parking garages, and stadiums.
Finally,[link widoczny dla zalogowanych], the projects that are considered to be high risk are residential projects, swimming pools, harbors and docks, mines, and amusement parks and zoos. The project type with the highest perceived risk is condominiums. The industry has determined that for every premium dollar received by the carrier for a condominium project, 3.5 dollars goes out. All of these projects either carry a high emotional factor from the end user or have a high inherent catastrophic loss exposure such as a mine or amusement park. It is not the intent of this article to discourage any design firm from performing services on high risk projects but it is prudent to understand the exposures and manage the risk as well as possible.
Internal Risk Management
Your firm’s internal risk management practices provide the best opportunity for you to differentiate your firm and illustrate to the underwriter why you are worthy of their absolute best rate, the rate that is given to the “best in class” type firm. Throughout the application are questions that on the surface seem benign and unimportant but they are there to paint a picture of the firm for the underwriter that goes beyond the discipline and project types.
These questions include, but are not limited to,[link widoczny dla zalogowanych], use of written contracts,[link widoczny dla zalogowanych], limitation of liability provisions, insured sub consultants, types of contracts, in-house education programs, attendance at risk management seminars, and professional society memberships. Individually and collectively these categories allow for the underwriter to apply debits and/or credits based on the responses given. In some cases the difference can be as much as 25%.
The unfortunate reality is that far too few firms are properly advised by their insurance representative as to the effect of these questions and thus do not enjoy the premium reductions associated with them. Again, it pays to be with an expert that knows your business and the ever changing marketplace.
Loss History
The area of risk that is perhaps most quantifiable is loss history. As was mentioned earlier, when a design firm does have a legitimate claim, they tend to be quite expensive. There also is a belief in the underwriting world that past claims are a pretty fair indicator of potential future claims activity. As a result, a firm with claims in their past generally pays a much higher rate than a similar firm with no claims. The industry standard is to look five years into a firm’s past for claims activity but it is not uncommon for a carrier to look ten years back when evaluating a larger firm.
The key for any design firm with a claim is to take the time to effectively articulate the circumstances regarding the claim and the lessons learned. In some cases, given the right approach and documentation, a firm along with its broker, can convince the carrier that it is an even better risk than a firm with no claims because of the experience and knowledge gained from the unfortunate situation.
Setting the price
Underwriters’ thorough review of these and other factors gives them a profile from which to develop a specific rate for your insurance. The rate is applied against your professional fees and a premium is determined. The premium is increased as the limits of liability desired increases. Conversely, the premium is decreased as the deductible that is carried increases.
Summary
Looking through the eyes of an underwriter, design professionals can gain an edge in obtaining the best possible insurance premiums with the use of a thoughtful application submission. However, an application does not speak for itself. As your professional liability insurance broker,[link widoczny dla zalogowanych], we work with you to understand your practice and gather mitigating information on the areas that underwriters perceive as risky. Then, we negotiate with underwriters to favorably characterize your firm and prove the mitigating information to encourage the most competitive premium quotes. Integral to this task is our specialized knowledgeable and complete focus on the A/E industry.
We hope this information has been helpful for you to better understand the process for quoting professional liability insurance for design firms. Our staff is available to consult with you about your firm’s specific insurance needs at 1-800-597-2612. Visit our website at [link widoczny dla zalogowanych] for more resources and information about our capabilities.
Placing Professional Liability Insurance for Architects, Engineers and Environmental Consultants is our sole focus. As insurance brokers, we know that getting the best terms for our clients requires that we negotiate with underwriters the premium for each client. To do this effectively it is critical to understand how insurance underwriters view risk and the factors they use in setting premiums. The article below was written by Lee Genecki,[link widoczny dla zalogowanych], one of our senior brokers. Lee was formerly the lead underwriter for the Travelers A/E professional liability insurance program. As the lead underwriter it was Lee’s responsibility to set rates and establish the risk assessment criteria for quoting premiums. This article describes risk factors underwriters assess and provides insight to design firms on how to complete an insurance application to present a firm in its best light. It also describes the role we play as a broker to negotiate competitive terms.
Michael Hall, President Hall & Company
By Lee Genecki
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Qilu Ji'nan network August 9th news (reporter Lu Ming Li Xiaobin correspondent) in the development of highway passenger traffic safety hundred days of concentration and control operations, the Ji'nan Municipal Public Security Bureau Traffic Police Brigade to strengthen efforts to check the calendar under the peripheral 7 seats or more passenger bus, illegal behavior investigation. In yesterday morning's inspection operations,[link widoczny dla zalogowanych], a van for a number of illegal behavior was stopped by traffic police.
Police tip:
small passenger car driver Wang by traffic police punishment.
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after the investigation police learned that,[link widoczny dla zalogowanych], Wang ship diesel to Qilihe near the site, for the loader, the original driver for something he didn't come to work, temporary drive for others,[link widoczny dla zalogowanych], did not realize the harm their illegal transport of dangerous goods brought by the. Wang for driving without a license and alleged identity theft obstructing police enforcement, was brought back to battalion to receive treatment, Wang Mou will face administrative detention ten days of punishment.
transport gasoline, diesel and other dangerous articles need to use special vehicles, have Wang transport diesel reached more than 200 pounds, the car without any security measures now summer temperatures so high,[link widoczny dla zalogowanych], once the dangerous consequences be unbearable to contemplate.
yesterday morning, Ji'nan traffic police Shi He Ling squadron of police seized a falsified minibus on patrol in the process,[link widoczny dla zalogowanych], the rear seat of the minibus will be demolished,[link widoczny dla zalogowanych], loaded with seven barrels of oil,[link widoczny dla zalogowanych], due to the existence of serious security risks, the traffic police will be in accordance with the law of the vehicle and the driver will buckle,[link widoczny dla zalogowanych], Wang. Ask.
carrying 7 barrels of diesel passenger car.
Wang claimed he Xing Yuan, driving license is not in the body, but also calm the ID number to inform the police,[link widoczny dla zalogowanych], when police check after the discovery of Wang Yuan a fraudulent use of identity, which is a back number. In the face of evidence, Wang had to admit his driving license behavior,[link widoczny dla zalogowanych], and as the investigation,[link widoczny dla zalogowanych], police also found that this car is not limited.
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Ma Su and Cao Bingkun this pair, is the man to give up her parents doubt offered to AA my self esteem, the woman had to agree to marry. Cao Bingkun plays Zhang Lin, a "Phoenix man",[link widoczny dla zalogowanych], his innate sense of inferiority and strong self-esteem so that he believes in the married life "AA" execution is effective measures to protect their marriage, therefore,[link widoczny dla zalogowanych], he and his wife signed an economic agreement,[link widoczny dla zalogowanych], daily expenses per month by two people share.
although the introduction of "AA life" in the play, but the four starring movie but admitted it is difficult to accept such a way of living.
, everyone seems to have only heard friends dinner the AA system or who fall in love in the time of AA,[link widoczny dla zalogowanych], and now,[link widoczny dla zalogowanych], in many fashionable family, between husband and wife is carried on with the AA system marriage. Since the "naked marriage", "DINK" and other topics to the audience bursts after impact, in Hunan satellite TV drama "life" AA system caused discussion of "AA system" which is a new subject of marriage of the audience!
Li Xiaolu plays He Qi, and her husband married to childhood sweetheart, adhere to the "close" concept.
Ma Su played a rich girl Cai Juan,[link widoczny dla zalogowanych], fell in love with the Phoenix man, have to accept "after AA" life.
Ma Su: before marriage, after marriage don't AA, because Chinese or traditional,[link widoczny dla zalogowanych], married to one family. And I think we don't just look on money, life should have the spirit of the AA, cannot too be glued to each other.
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