ADA CLAIMS BEING BROUGHT FOR 'HOSTILE ENVIRONMENT' by Donald Phin Courts across the country are now starting to grant 'hostile work environment' claims under the ADA, even under circu...

EMPLOYEE CONDUCT AND THE AMERICANS WITH DISABILITIES ACT by Don Phin Most employees with disabilities can maintain acceptable conduct in the workplace. However, on occasion, some employee...

Whether children or adults, people will live up to others' expectations of them. What are your employee evaluations telling your employees? How are these appraisals affecting their performance? In this document, Don Phin examines how employees react to performance evaluations, personally and professionally.

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.

EQUITABLE ESTOPPEL AND INSURANCE PREMIUM PAYMENTS by Christopher Kenney Like the rest of us, insurers can't have it both ways. This generalization is particularly true with regard to an insurer...

ETHICS IN LIFE INSURANCE AND RELATED FINANCIAL SERVICES by Samuel H. Weese, Ph.D., CLU, CPCU and Egnar F. Jensen In recent years, ethics has become a highly visible issue in the world of financial ...

FAMILY RISK QUESTIONNAIRE We recommend a yearly review of all your insurance policies. This questionnaire makes that review quick and efficient. Please take a moment to answer the questions and retur...

FRIENDLY COMPETITION by Don Phin In his book No Contest: The Case Against Competition, Alfie Kohn stresses that competition in an organization can become destructive unless it results in ...

GUIDELINES FOR FIRING EMPLOYEES by Don Phin When employers ask if they can terminate employees, theyre really asking, If I fire them, can they sue me? Before y...

HOMEOWNERS/RENTERS/CONDOS YES NO ...