Monthly Archives: May 2013

How often is your agency holding staff meetings?

Hopefully, some of you don’t respond “I can’t remember the last time we had a staff meeting”. But if you do, today is a new day. There is no doubt that life at the agency side of the business extremely … Continue reading

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E&O Insights: Restaurant and Tavern Risks

This is an excerpt from an Insurance Journal article that I authored in the May 20, 2013 edition. “Chances are just about every town in the United States has a restaurant, tavern or pizza parlor. Pursuing this type of risk, … Continue reading

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When is a checklist more than a checklist ?

When speaking with agents, I am often asked to address the top initiatives that agents can undertake to reduce the potential for facing an E&O claim. Certainly, education is a key one and this includes education of both the agency staff … Continue reading

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“If it’s not in the file, it didn’t happen”

As hopefully every agency staff member knows, documentation is one of the biggest issues that will determine the direction of an E&O claim. Good documentation should make the E&O carrier’s job much easier while sketchy or incomplete documentation could spell trouble with … Continue reading

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Is blanket additional insured coverage truly blanket?

This is an excerpt from a Rough Notes article that I authored in the April 2013 edition. “The concept of additional insureds has been around for quite some time, possibly since the beginning of modern day insurance. Why then has this … Continue reading

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Classification Limitation coming to admitted business?

During some of my recent travels around the country, I have heard from a number of agents some information that could significantly change the landscape of general liability business, especially dealing with contractors. As you are probably aware, in the … Continue reading

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Business Interruption: how many of your customers are properly protected?

In April, there was an excellent article by Mark Ruquet of PropertyCasualty360 that spoke of a survey done by the Hartford regarding the business affected by Superstorm Sandy. The article stated that only a third of those small businesses had … Continue reading

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What’s keep you up at night ?

When I interact with agency staff, this is a question that I like to ask. In many of those situations, it is very obvious that they have not only thought of this issue but in some cases, it almost seems … Continue reading

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