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Policy Review

Although it is generally felt that the quality of carrier issued policies has improved, mistakes certainly can and do happen. As a result, there is certainly the potential for any policy not to reflec

PhoneDog v. Kravitz Settlement Points to Need for Agreements on Ownership of Social Media Accounts

By John A. Snyder, Esq. of Jackson Lewis LLP   Last December, PhoneDog, a mobile phone website, sued Noah Kravitz, after he resigned from the company, alleging that he improperly t

Permitted Time Off to Vote

By Paul DeCamp, Esq. , Richard Greenberg, Esq., & Daniel J. Jacobs, Esq., of Jackson Lewis LLP.   As Election Day nears, employers should review their policies for complia

Proof Decision Maker Knew of Workers’ Compensation Injury Required for Retaliatory Discharge Claim

By Jody Wilner Moran Esq of Jackson Lewis LLP.   Without evidence that the manager who made the decision to discharge him had known about his injury (even though employees in different department

Proof? You Can't Handle the "Proof"!

By  Angela DeMary, Esq. of Marshall Warner Coleman & Goggin, P.C.Dennehey     Key Points:   It doesn’t really matter how much the petitioner subjectively co

Purported Notice of Claim Provided By Means of an Underwriting Application Is Inadequate

By Jill A. Ellman, Esq.of Tressler LLP   The Material submitted to underwriters as part of a renewal process did not meet the policy’s requirements for notification to a specified address a

Proportional Reinsurance

  By James A. Warter of Preferred Reinsurance Intermediaries As many of you know, pro rata is Latin for “give me your profits in return for a commission that might cover half of your ex

Pin the Tail on the ERE

By Todd Dashoff, ACAS, MAAA, ARM of Huggins Actuarial Services, Inc.   Extended reporting endorsements (ERE) provide a period of additional coverage for eligible insurance claims reported a

Personal Insurance Traps

By Charles T. Wilson, CMC, CRM, RPLU   As an insurance customer, there’s lots of confusion about the differences between personal and business risks and the insurance claims that can

Providing coverage for an Additional Insured – why this is a hotspot that is not going away

Let’s take the following scenario: Your agency is asked to provide a certificate of insurance naming an entity as an additional insured. You pull the file and note that the policy for your custo

Pre-Employment Tests to Help You Avoid Hiring Interpersonal Troublemaker

By Michael Mercer, Ph.D.   Fortunately, pre-employment tests can help you avoid hiring troublemakers – including applicants who have lousy or unproductive interpersonal skills

Professional Liability Insurance Coverage Update

 By Thomas D. Jensen, Esq.   Coverage lawyers tend to think in terms of “occurrence”, “bodily injury”, “property damage”, “all sums”, “a

Professional Liability Insurance Coverage – A Primer

By Sarah E. Morris, Esq. and Amy E. Lanser, Esq. Professional liability insurance policies are often termed “errors and omissions” policies. They are designed to protect members of a p

Paying Policy Limits to Resolve a Covered Claim for One But Not Both Liable Insureds Acceptable in T

By Duana J. Grage, Esq.   In Pride Transportation vs. Continental Cas. Co. and Lexington Ins. Co., Case No. 4:08-CV-007-Y (N.D. Tex. 2011), an employee of an insured transportation company rear-e

Prior Knowledge Condition Bars Coverage Under Errors and Omissions Policy

By Ashley L. Christensen, Esq. An E&O insurance policy’s prior knowledge condition precluded coverage for a negligent retention and supervision claim and the Tenth Circuit therefore a

Pre-Employment Tests versus Credit Checks: Which Method Helps You Hire Responsible Employees?

Pre-employment tests should do better at predicting irresponsible behavior than credit checks. So, take pre-employment test scores into account when you want to evaluate if a job applicant potentially

Poor Customer Service-Is Someone Having a Bad Day

  Poor Customer Service – Is Someone Having a Bad Day Or a Symptom of Bad Management? By Edwin Martinez, PHR   Have you ever walked into an establishment and wished you had done a

Pay As You Drive, Part Deux

 By Roy Little   State Farm, the largest U.S. car insurer, is going first. So much for perceptions that the first company to try this innovative rating technique would be, well,

Please Do Not Scratch the Wood Floors!

By Ed Martinez, PHR    Whether a company is evolving from the inception to the growth stage or from the mature to the declining stage, changes and challenges are certain to be a part of

Phone Sales Tips: 15 Tips to Voicemail Survival

 By Mark Hunter  1.      If your goal is to get the phone call returned, don’t leave information that would allow the person to make up their mind. Add a c

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