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E&O Angles 2008
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1 June 2008
Analyzing Hold Harmless Clauses and E&O Claims
Agency agreements are commonly executed between insurance carriers and agencies in order to define the carrier-agency relationship in contractual terms...
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1 December 2008
Dealing with Slow-Paying Clients
At some point, nearly every agency has had to deal with a customer who failed to pay his/her premiums on time...
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1 October 2008
Haunted by Voluntary E&O Payments
E&O claims are often substantial; some are even huge. When there is potential for a large E&O claim...
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1 July 2008
Pitfalls of Placing Surplus Lines
Independent agents assume many responsibilities when placing surplus lines insurance in addition to the usual responsibilities of placing coverage in the admitted markets.
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1 March 2008
The Caveats with Coinsurance
Many property insurance coverage forms contain coinsurance clauses. Coinsurance clauses also apply in many business interruption policies as well as other commercial contexts.
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1 August 2008
Workers’ Comp for Owner-Employees Poses Challenge
Small businesses and sole proprietors have been greatly affected by the post 9/11 , post Katrina insurance market.
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1 May 2008
Avoid E&O Pitfalls in Earthquake Coverage
On Aug. 29, 2005, Hurricane Katrina made landfall in the Gulf Coast region of the United States. After the wind abated and the water receded...
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1 April 2008
Dissecting E&O for Marine Coverage
The property-casualty insurance we know today has evolved from the days when shippers would spread their cargo among several ships bound for the same destination...
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1 -January 2008
How Insurance Warranties Affect Your Clients
After loading the car with ski equipment and plenty of DVDs to entertain the kids, we set out for the 10-hour drive from Kansas City to Denver. Thirty minutes into the trip, the DVD player stopped working...
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1 September 2008
Reducing Liability Exposure in E&S
Working with a broker to obtain an excess or surplus lines (E&S) policy can be an effective way of serving your customers' needs for difficult to place coverages...
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1 November 2008
The Obligations of Policy Delivery
How far does and agent's duty extend beyond requesting a quote, sending in an application to the carrier and forwarding the policy to the insured once it is issued?...
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1 February 2008
Your E&O Coverage’s Hidden Value
In shopping for your agency’s E&O coverage, it’s relatively easy to compare the different carriers’ terms and conditions. It’s easy to evaluate the carriers’ financial strength and compare premiums...
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