Secrets of Bonding 132: Inside the Underwriter’s Skull

Secrets of Bonding 132 Inside the Underwriter's Skull

We’re off on a voyage. We’ll get into the skull of the underwriter for surety bonds and discover what’s inside, Perhaps but not all that much.

In order to be successful in acquiring bonds, it’s essential to comprehend the motives and process of the decision-makers. Let’s get started.

Agency against. Bonding Company

When we receive calls from new clients to have their bond issue addressed, we always make sure to ask, “Do you currently work for an existing bonding company?” The answer usually is similar to “Yes! Acme Insurance Agency.” Acme Insurance Agency.”

The first thing to be aware of is the distinction in the relationship between the agency (or agency) and the bonding company (aka the carrier, the surety, the business). The typical agent (and the agency) is the local salesperson for retail. Their task is to identify potential clients, create their information, analyze it and then submit it to underwriters for their review and to provide continuous support to the customer. They are usually paid commissions and don’t hold any of the risk associated with the bonds.

The Surety (bonding company, also known as the carrier) assumes the risk. They are the ones who collect the bond’s premium. The underwriter, who is their employee is the one who determines whether it will approve the bond and at what conditions.

Once we know who the decision-maker is, we can discuss how and why.

Process – Underwriting Authority

To ensure that there is a uniform and controlled process of decision-making, Bonding companies issue letters of Authority to each underwriter. The instructions are divided into two categories.

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#1. Prohibited transactions. Avoid doing any of these things. It can include different kinds of bonds as well as different scenarios that do not have the support of insurance or do not align with the company’s risk tolerance.
#2 transaction size. This is the value of the transactions. It could be “You may issue the following kind of bond up to the maximum amount of $_______.”

Motivation

Underwriters receive an annual salary, and in some instances, they receive a bonus for production. The amount is determined by the amount of business that they create. They must operate strictly within the underwriting guidelines. The annual production targets are established and rewarded if they exceed them.

If you feel a nudge of it now, Let’s don our underwriter hats and take a look at some scenarios. As an underwriter, can you put these higher up on the pile?

1. This applicant is not typically required to have performance bonds. In fact, even after three years of business, this is their first time. They tell you “this isn’t an issue” because the contract/ bond is only $15,000.

Situation 2. Maintenance Bond request on a completed contract. A “no brainer?” It was placed by an additional surety. However, the client states that they do not want to utilize them to maintain the Maintenance Bond due to their inefficient service.

Situation 3. The government has offered an IT services contract. The vendor is required to provide an assurance of performance. The agreement provides two one-year extensions, at the decision by the federal government. The surety has to file an announcement of cancellation at least within 30 days of the anniversary date in order to remove the risk. Failure to secure the extension (with the new surety) could result in a claim against the old bond.

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Do you like any of them? We don’t either. What makes them undesirable?

Keep in mind the basics. The underwriters are looking for profitable transactions that they can manage effectively. Case #1 is not good enough. It’s too difficult to create an entirely new file to issue a tiny bond, and that could be the final one over three years to come.

The second one looks like an uneasy underwriting scenario. It could be a performance bond claim or perhaps incorrect financial information that’s making the surety of the incumbent withdraw. It’s not common for bonding companies to change to make a profit.

#3, underwriters can’t take action if their risk is unclear. Because the possible bond term is not defined (and outside the control of the underwriter) and therefore, it is impossible for them to meet the authority of their underwriting.

Conclusion

The underwriters are not able to handle every transaction in the same manner. How do you get your bond accepted?

Begin with an exchange of ideas. This will provide you with some ideas on how you can move forward: “Here’s what I got. Do you have any suggestions?”
Accessibility to files The information should be simple to process. Does the underwriter require PDFs that can be emailed to review? So don’t mail an original paper file or one large JPG (a picture file).
Properly completed forms Are the underwriters required to submit submission of their own form? Make use of it! Answer all the questions, including the difficult ones.
Be cooperative: “Are you sure you don’t already have it? We sent it to you on Monday.” It always astonished me. If an underwriter asks for information, do not ask to prove it. Give it to them – more than once, if needed.
Be aware that regardless of whether the process isn’t easy, underwriters need to be able to approve the business in order for it to stay financially viable. Your bond should be easy to process and simple to accept. It should be the file they’d like to work on the next time.

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Steve Golia is an experienced supplier of performance and bid bonds for contractors. For over 30 years, his expertise has been in the field of solving bond issues for contractors and helping them out when others did not succeed.

The specialists in Bonding Pros have the underwriting ability and market access that you require. It’s all backed by exceptional service and an excellent level of accessibility.

 

 

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  46. بایسکشوال چیست ؟
    اگر در تربیت فرزند یک سری چالش‌ها بوجود بیاید،
    احتمال بروز این گرایش در بزرگسالی بیشتر می‌شود.
    حدود forty درصد بالای پرچم بایسکشوال به رنگ صورتی، 20 درصد به رنگ
    نیلی بنفش و 40 درصد پایین آن به رنگ آبی-
    سرمه ای است. رنگ صورتی به معنی گرایش جنسی به همجنس خود بوده و رنگ
    آبی گرایش دگرجنس خواهی را نشان می دهد.

    ممکن است متوجه شده باشید ایده‌هایی که
    پیرامون افراد بای سکشوال مطرح می‌شوند، کاملا متناسب با شخصیت شما هستند.
    در واقع، ممکن است به راحتی با یک فرد
    Bisexual که در فضای مجازی و یا تلویزیون
    می‌بینید، ارتباط برقرار کنید.
    داوطلبان دو‌جنس‌گرا (بایسکشوال) از
    فشاری گفتند که برای رسیدن به ارگاسم و اثبات دو‌جنس‌گرایی‌شان به شرکای جنس مخالف متحمل می‌شوند.

    برخی شرکت‌کنندگان تراجنسیتی (ترنسجندر) نیز
    تجربه رسیدن به ارگاسم را به‌‌مثابه یادآوری «بودن در جسم اشتباه» می‌بینند.

    توجه داشته باشید که متخصصان بسیاری
    در زمینه تشخیص گرایش های جنسی فعالیت می کنند که در شناسایی علائم بایسکشوال ها
    به شما کمک خواهند کرد. نهایتا با دریافت مشاوره از این متخصصان و آشنایی
    بیشتر با شرایط بایسکشوالیست ها، تشخیص دوجنس گرایی بسیار آسان و
    با اطمینان بیشتری همراه می شود.
    پراکندگی دگرجنس‌گرایان
    بر اساس گرایش جنسیباور
    غلط دیگری که در مورد افراد بایسکشوال وجود دارد،
    این است که بعضی‌ها، این افراد را با کسانی که
    در اصطلاح دوجنسه هستند اشتباه می گیرند.
    دوجنسیتی‌هایی که دارای سطح بالاتری از «طبیعت هراسی» (ترس از عوامل موجود در طبیعت مانند مار) شده بودند، شادی کمتری را در زندگی خود تجربه می‌کردند.
    این تعامل با زندگی در قالب سوالاتی مانند «آیا شما هرگز احساس کرده‌اید که رابطه جنسی شما بد است یا اشتباه؟»
    اندازه‌گیری می‌شود و می‌تواند نشان‌دهنده احساس نارضایتی افراد از گرایش بایسکشوال آنها باشد.

    در واقع افراد بای سکشوال به دو یا بیش از دو جنس
    گرایش داشته و لزوما به همه جنسیت ها علاقه عاطفی و جنسی
    ندارند. افراد بایسکشوال یا افراد
    دوجنسگرا معمولا با چالش های زیادی رو به رو هستند زیرا پذیرش این شکل از
    گرایش جنسی برای اطرفیان آن ها بسیار مشکل است.
    تفکر غلطی که در میان افراد رواج یافته است این است که گمان می‌کنند که بایسکشوال همان هم‌جنس‌گرایی است.
    بلکه در دوجنسگرایی، فرد هم به جنس خود و هم به جنس مخالف تمایل دارد.
    به طور مثال یک مرد علاوه بر هم جنس خود به جنس
    مخالف خود هم علاقه دارد. دسته اول یعنی دوجنسگرایان متناوب افرادی هستند که امکان
    دارد با یک نفر رابطه برقرار کنند و بعد
    از پایان رابطه فرد دیگری را انتخاب می
    کنند و وارد رابطه جدیدی می شوند.

    آن‌ها همچنین در احساسات عاطفی و گاها جنسی
    نسبت به دوستان هم‌جنس خود، دچار دوگانگی
    و تردید می‌شوند. به تنها یک جنسیت مانند افراد دگر جنس گرا و
    همجنس گرا علاقه نداشته و به بیش از یک جنس علاقه جنسی و
    عاطفی دارند. معنی دوجنس گرایی لزوما گرایش
    به دو جنس نبوده بلکه به معنی گرایش به بیش از یک جنس است.
    دوجنسگرایی با دوجنسه ها نیز تفاوت دارند و در بسیاری مواقع افراد آن ها را یکی می پندارند.

    دو جنسه ها از نظر بیولوژیکی
    ویژگی های زن و مرد داشته و این مسئله با گرایش آن
    ها متفاوت است.
    در این دوره فرد نسبت به خودش بدبین است و از دیدن هم همجنسگرایی و هم همجنسگرایی متعجب
    و مضطرب می شود. غالباً در این مرحله افراد برخی از گرایشات
    خود را انکار می کنند و سعی می کنند خود را طبیعی نشان دهند و می
    گویند جنس دگرباش هستند. از طرف دیگر ، برخی فشارهای جامعه می تواند این افراد را گیج کند ، یا عدم آموزش جنسی
    لازم می تواند یک نوجوان یا جوان را فکر کند که وضعیت آنها غیرطبیعی است.
    این افراد همسری از جنس مخالف خود دارند اما نیاز به رابطه با هم جنس را هم در
    خود احساس می کنند. در نتیجه با این هدف که بتوانند از رابطه با
    همسرشان لذت ببرند، با یک هم جنس هم وارد رابطه می شوند.

    با این حال بسیاری افراد دوجنسگرا پس از مدتی تغییر گرایش داشته و تنها به یک جنس
    میل جنسی و عاطفی دارند. برخی محققان نیز با بررسی مغز افراد بای سکشوال اعلام کرده اند که هسته هیپوتالاموس قدامی در مردان بایسکشوال کوچکتر
    از مردان دگرجنسگرا بوده و تقریبا اندازه زنان دگر جنس گرا است.
    همچین فرضیه دیگر مطرح می کند، افرادی که کروموزوم Y اضافی
    داشته گرایشات بایسکشوال و تکانشگری در آن
    ها دیده می شود. بایسکشوال
    یکی از گرایش های جنسی و عاطفی همچون لزبین،
    همجنس گرایی و غیره است که به افراد
    دو جنسگرا اطلاق می شود.
    به طوری که امروزه نظریات بسیار مختلفی در رابطه با این گرایش عنوان می شود.
    چنان که برخی از افراد معتقد هستند این گرایش تنها جنبه جنسی دارد.

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  67. رنگ پاش برقی

    و باعث اذیت شدن گوش در حین کار میشوند علاوه بر ان این پمپ ها هزینه ی زیادی را نیز برای تعمیر و نگهداری دارند.

    جدای از انها تهیه ی پیستوله ی رنگ پاشی و شلنگ ان نیز
    از هزینه های مازاد بر ان است.
    در حالی که شما میتوانید با تهیه ی رنگ پاش برقی
    مدل XQP ایکس کورت فقط با برق 220 ولت کار رنگ کاری.

    ارائه محصولات و ابزار آلات با بهترین قیمت و کیفیت از وظایف هر فروشگاهی است.یکی پیچ تنظیم سیال است که مسئول کنترل میزان رنگ پخش شده توسط نازل است.از کاربردهای مفید رنگ پاش
    برقی این است که با کمترین
    تلاش بخش های گسترده ای را پوشش می‌دهد، بنابراین
    مناسب برای فضاهای بزرگ است.توان این موتور
    برابر با 130 وات است از وجه تمایز آن با مدل 1311 نیز می باشد.به طور
    کلی از این ابزار کاربردی برای رنگ
    کردن دیوار، سقف، در و پنجره، میز و مبلمان، بدنه خودرو، نقاشی‌های خیابانی، نقاشی و خلق اثر بر روی
    بوم یا پارچه و… استفاده می‌کنند.که به شما این امکان
    را میدهد عمل پاشش را به صورت کند و سریع
    انجام دهید در نوک دستگاه به شما این امکان داده شده تا سری های
    مختلف روش ببندید.
    این دستگاه چه از نظر قدرت و چه از نظر کارایی تفاوتی با
    سایر دستگاه ها ندارد . این موضوع به کارایی سایکلون بستگی دارد اما در حالت
    عادی تا ۹۵ درصد از پودر قابل بازیابی میباشد .
    قیمت ساخت کوره بصورت متراژ محاسبه
    میشود ودرحال حاضر برای هر متر مربع
    ۶ میلیون (شش میلیون ) قیمت گذاری میشود .

    و البته برای نقاشی ماشین باید از
    پیستوله های حرفه ایی استفاده نمایید تا
    نتیجه نهایی به حد کیفیت رنگ کارخانه
    سازنده نزدیک شود. برای افزایش طول عمر مفید
    دستگاه خود پس از هر بار استفاده ابزار را تمیز کنید.
    قبل از تمیز کردن اما دستگاه را
    از برق جدا کنید، زیرا رنگ پاش برقی در حالت فشار بالا
    می تواند رنگ را به زیر پوست تزریق کند که برای کاربر خطر مسمومیت ایجاد
    می‌کند. این پیستوله‌ برقی 80 واتی، قابلیت پاشیدن رنگ به هر
    دو جهت افقی و عمودی را دارد.
    پیستوله رنگ پاش شارژی مدل CSGLI2001
    همچنین دارای نازل های متعددی است که
    شرایط مختلف رنگ پاشی را بهبود می‌بخشد.
    دسته و کلید تفنگی این محصول موجب سهولت در کنترل سرعت و انجام طولانی مدت رنگ‌پاشی نیز می شود.

    استفاده از یک پیستوله رنگ پاش برقی با
    کیفیت می تواند عمل رنگ آمیزی ساختمان را برای شما بسیار آسانتر سازد.
    با استفاده از این ابزار، دیگر نیازی به ابزارهای قدیمی
    برای رنگ آمیزی مانند قلمو و غلطک ندارید.

    زیرا این دستگاه کار رنگ آمیزی را به
    راحتی و با دقت و یکنواختی بالا برای شما انجام خواهد
    داد. بنابراین می توانید بدون صرف هزینه زیادی
    برای نقاشی و همچنین بدون نیاز به تسلط به اصول رنگ آمیزی، شخصا
    با استفاده از این ابزار عمل رنگ آمیزی را انجام دهید.

    از مهم ترین ویژگی های پیستوله برقی
    1335 می توان به خروجی نازل آن
    اشاره کرد که به صورت حرفه ای طراحی شده
    و در دو حالت عمودی و افقی پاشش می کند.
    این دو نازل در دو اندازه 1.8 و 2.6
    میلی متر می باشند که به هنگام رنگ پاشی در
    شرایط مختلف بسیار تاثیرگذار خواهند بود.
    در خصوص افزایش عمر کارکرد بدنه
    و سهولت تمیز کاری آن، سیستم اتصال بدنه پیشرفته ای در آن تعبیه شده
    است و بدون صرف زمان کم و به
    صورت خیلی آسان متصل می‌شود.
    قابل توجه است بدانید سری تفنگی قابلیت باز شدن دارد که موجب
    راحتی در تمیزکاری ابزار می‌شود.
    سیستم فیلتر هوای این مدل به سرعت قابل تعویض و به راحتی قابل استفاده
    است. این نوع پیستوله رنگ پاش برقی توان ولتاژی مانند مدل 1311 دارد.

    در مرحله‌ی بعد با استفاده از میزان
    مناسبی از حلال غلظت رنگ را تنظیم
    کنید. رقیق بودن بیش از حد رنگ موجب شره کردن آن روی سطح می‌شود و از طرف دیگر غلیظ بودن آن، موجب اشکال
    در خروج رنگ از پیستوله می‌شود.

    قبل از شروع کار می‌توانید کمی تینر درون مخزن بریزید تا مسیر ورود لوله باز شود.
    از پیستوله های برقی و با قیمت پایین تر در نقاشی های
    ساختمانی و کارهای سبک نظیر رنگ چوب و مصالح دیگر استفاده می شود .

    درصورتی که قصد دارید دستگاه
    سایکلون را خودتان بسازید .

    میتوانیداز مشاوره و راهنمایی رایگان تیم واحد فنی گروه صنعتی الکترورنگ جهت ساخت استفاده کنید.
    اما رنگ های پودری الکترواستاتیک خاصیت چندین بار استفاده را دارا میباشند بنابراین نیاز به دستگاهی دارند که بتواند پودر
    معلق در هوا و … را مکش و جمع آوری یا بازیافت کند که به
    این دستگاه سایکلون گفته میشود .
    میلی لیتر طراحی کرده تا در صورت پر بودن ان نیز وزن مناسبی جهت کار کردن داشته باشد.
    از ابزار های چند کاربره در خط تولید شرکت ایکس کورت
    است.
    جهت خرید انواع ابزار بادی و ابزار برقی می‌توانید به سایت ابزار ماشین مراجعه
    کنید. پیستوله برقی با منبع تغذیه برق کار می‌کند، درحالی‌که پیستوله‌های بادی انرژی مورد نیاز را از طریق هوایی که با کمک کمپرسور
    در مخزن ذخیره شده، تامین می‌کند.
    پاشش رنگ یکی از کار های سخت و طاقت فرسایی است که انجام ان به صبر و حوصله و دقت خوبی نیاز دارد.

    و علاوه بر ان برای اکثر متریال ها به ویژه اهن ضروری است.
    و انجام ندادن ان سبب زنگ زدگی اهن و خوردگی و در اخر از بین رفتن ان میشود.

    فرز نجاری بوش 600 وات مدل GKF
    600
    علاوه بر ان برای شستشوی
    راحت تر دستگاه از فرچه و برس هایی در اندازه های مختلف استفاده کرده تا کاربر بتواند.

    همیشه دستگاه را تمیز نگه دارد و از مسدود شدن مجاری ان جلوگیری کند.
    كلیه حقوق مادی و معنوی این
    وب سایت، متعلق به فروشگاه اینترنتی سلام ابزار است و هرگونه بهره‌برداری از مطالب و تصاویر آن با ذكر منبع، آزاد است.
    در هنگام پاشش رنگ از عینک ایمنی و ماسک تنفسی استفاده نمایید.
    از این پیچ برای کنترل حجم هوای فشرده به داخل سرپوش پاشش استفاده می شود
    و به وسیله ی آن می توانید شکل و
    سایز پاشش رنگ را به خوبی تعیین کنید.
    به طور کلی از این ابزار کاربردی برای رنگ کردن دیوار، سقف، در و
    پنجره، میز و مبلمان، بدنه خودرو، نقاشی‌های خیابانی، نقاشی و خلق اثر بر روی بوم یا پارچه و… استفاده
    می‌کنند.
    از چه کوره ای استفاده کنیم که بهترین کارایی و عملکرد را داشته باشد .
    همانطور که از اسم این نوع کوره پیداست این کوره شبیه به یک باکس( جعبه ) میباشد که قابلیت جابحایی را میسر ساخته است .

    که در صورت هر گونه مشکل میتوانید
    ان را تعمیر کنید و مانند روز اول
    با ان کار کنید.
    قبل از ریختن رنگ رقیق شده به داخل مخزن دستگاه آن را از صافی رد کنید.
    این کار هم به کیفیت رنگ کاری شما
    کمک می کند و هم از رسوب رنگ در دستگاه جلوگیری
    می نماید. در حال حاضر ابزار پیستوله رنگی به پمپ باد متصل می شود و با استفاده از هوای فشرده
    داخل پمپ باد رنگ را بر سطح مورد نظر
    با قدرت بالا می پاشد. در زمان استفاده از پیستوله رنگ نسبت به کار با غلطک یا قلمو دقیقتر سطح مورد
    نظر را می پوشاند.
    ساختمان ، درب و پنجره و دیگر کار ها را با هزینه ای کمتر و بدن سر و صدا انجام دهید.
    زمانی که قصد دارید سطوحی را رنگ
    کنید استفاده از قلم مو یا غلطک دشوار، زمان
    بر و نیازمند مهارت است. با استفاده از
    پیستوله رنگ پاش برقی اما می
    توانید با اندکی مهارت کار نقاشی خود
    را با کیفیت مطلوب به سرانجام برسانید.

    ابزار برقی چیست ابزار برقی به گروهی از ابزارآلات صنعتی و خانگی گفته میشود که نیروی
    محرکه مورد نیاز برای آنها از انرژی برق تامین
    می گردد. این گروه از ابزارآلات را می توان در حالت کلی به دو نوع ابزار شارژی و
    برقی تقسیم بندی کرد. همان طور که از نام این دو گروه مشخص است، ابزار شارژی
    در واقع …

    هرچقدر کیفیت ساخت پیستوله بالاتر باشد قیمت نهایی نیز بالاتر بوده و البته کیفیت
    رنگ کاری و نتیجه نهایی کار نیز کاملا متفاوت و بهتر خواهد بود.

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