ARE YOU AN INSURED UNDER YOUR E&O POLICY? by Curtis Pearsall When comparing one E&O policy against another, you may be looking at which acts are covered, whether 'full prior acts' is provide...

CRISIS-MANAGEMENT PROCEDURES by Douglas Henderson All businesses should have a plan of action to respond to a crisis situation. Disasters commence with little or no warning, and a good re...

Writing EPL insurance on an occurrence basis has its advantages. For example, under claims-made policies, the limit of Liability may be more prone to exhaustion. Because a claims-made policy may cover prior acts, the limit of Liability might be spread over many years. It may be necessary to increase the limit beyond what might be considered sufficient under an occurrence policy. Another drawback of claims-made coverage is that as soon as the policy is canceled or expires, coverage ceases.

FIDUCIARY RESPONSIBILITY Dear (Customer Name): How do you know if you have the right Fiduciary Liability policy? Take the insurance buyers' ERISA quiz: ...

HOW LONG SHOULD I KEEP MY RECORDS? by Curtis Pearsall There's no single answer to the question of how long you should keep your records. A rule of thumb generally calls for a seven-year retenti...

IF I WERE MARKETING MANAGER FOR A DAY by Janis Williamson, CPCU, CPIW The role of the marketing manager is quite different than it has ever been before because the marketplace is li...

ISO'S EMPLOYMENT-RELATED PRACTICES LIABILITY POLICY by Gary Griffin According to The Risk Management Letter, volume 18, issue 8, Insurance Services Offices' (ISO) new Employment-Related Prac...

PREVENTING VIOLENCE IN THE WORKPLACE by Douglas Henderson Violence in the workplace has become all too common in American business. It's a concern for every employer, who should take precaution...

Every state battles fraud and abuse of its Workers Comp system. An honest company that properly uses Workers Comp to protect its employees and keeps its premises safe might...

THE BALANCE SHEET DOES MATTER! by Chris...