Story at a Glance

(17) Obtain Hold Harmless Agreements from guard services and other providers of labor-oriented services in your purchase orders.

(l8) Give as much information as possible, including all exposures, claims and loss history to your broker. He will be able to get a better quote.

(19) Get information to your broker early before rates increase.

(20) In competitive bidding situations, advise each competitor that the first bid is his only bid and stick to it.

(21) Don't get the reputation of being a "shopper" or "market burner." When several brokers seek quotes for the same client, the underwriter feels the risk is distressed and the price is forced up. Underwriters have little appetite for multiple submissions (people who ask for bids from more than two brokers).

(22) When insuring private passenger vehicles, it may be less expensive to insure in your own name as an individual if your record is good.

(23) Don't depend onone agent. Start shopping 60 days early, as your agent's hands may be tied by the company he represents. A broker can go to several companies.

(24) Insist that your employees report actual and potential claims immediately.

(25) When installing a new benefit plan, remember it is harder to reduce benefits later than to improve them.

(26) As a health insurance deductible, substitute a fixed cost of $15 a month rather than $500 deductible per family per year. It is better psychologically for your employees.

(27) Screen prospective new drivers by having your broker run motor vehicle reports on them.

(28) Use pre-employee physicals to help cut Workers' Compensation claims as well as to screen for substance abuse.

How to tell clear all heart flom clear CLEAR

"Write something to help my employees tell customers how to identify clear and clear all heart redwood," the voice on the other end of the telephone said. "Most people don't understand the difference between the two."

To understand the difference, it is necessary to know that heartwood is the portion of the tree in the center, surrounded by sapwood which is on the outside next to the bark. Sapwood as the name implies contains sap. Redwood heartwood is more durable than sapwood although the redwood sapwood is more durable than many other species.

Story at a Glance

Easy identification for redwood grades color is the key to heartwood and sapwood . clear grades have no knots each grade has its approPriate uses.

Clear all heart redwood is deep cinnamon color while clear redwood has creamy yellow streaks because it contains sapwood in varying amounts. Both clear all heart and clear are free of knots and are considered architectural grades.

B grade redwood, although considered one of the three architectural grades, will have a limited number of small tight knots. It contains both heartwood and sapwood and will look like clear redwood except for the knots.

Construction heart is all heartwood with knots and merchantable heart is all heartwood with larger knots. Construction common contains both heartwood and sapwood with knots, as does merchantable, only with larger knots.

Clear all heart is the finest architectural all heartwood grade. It is normally

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CTEAR all heart redwood (top photo) is all heartwood and cinnamon red in color. Clear redwood (lower photo) contains both hearhvood ahd sapwood, which gives it streaks of creamy yellow and cinnamon red.