Monthly Archives: September 2012

Industry periodicals – a great way to educate your staff

Whether the agency staff is brand new or of veteran status, every agency should have a solid focus on ensuring that the staff is educated on those issues affecting their specific responsibilities and the industry as a whole. A very … Continue reading

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E&O Insights: Know the Details When Insuring Cargo

This is an excerpt from an Insurance Journal article that I authored in the September 24, 2012 edition. “It’s important to know all of the details when looking to insure risks with a cargo exposure. Because no two risks are the … Continue reading

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Are your customer’s kids using social media?

The short answer is probably. Whether the social media involves Facebook, Twitter, YouTube or any of the other various forms of social media, the odds are that the children of your customers are active in utilizing this aspect of “communication”. While … Continue reading

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Is specialization worth the risk?

This is an excerpt from a Rough Notes article that I authored in the September, 2012 edition. “The benefits of specialization have been a common industry theme for some time. This is not to suggest that the days of the generalist … Continue reading

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Is your insurance agency procedural manual being used by all staff ?

In virtually every one of my E&O classes, the issue of the agency’s procedural manual is discussed. These manuals can be a tremendous tool for an agency as they should enable new staff to get “up and running” much quicker and provided … Continue reading

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Court Decision on Massachusetts Social Host Liquor Liability Law

Recently during a CPPL (Certified Professional in Personal Lines) class I was teaching on behalf of MAIA (Massachusetts Association of Insurance Agents), the issue of Host Liquor came up and to what degree the law will impose liability. The case … Continue reading

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Is your insurance agency signing for your insureds?

Over the years, there have been many E&O claims where a key issue involved the validity of the insured’s signature on a particular document. In some cases, the document was the main application while in others, the document involved a … Continue reading

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Does your insurance agency use independent contractors in your sales force?

If the answer to that question is “yes”, then certainly the appropriate next question would be “are they covered by your E&O policy?” Independent sales personnel have caused a claim or two (or three) over the years and if you … Continue reading

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Sales training – an integral part of your E&O loss prevention program

The results of a recent poll on www.agentsofamerica.org dealing with sales training were very interesting. The question was: Is providing your sales and service staff (producers / CSRs) with quality sales training over the next year a “top 3” priority? 76% of … Continue reading

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