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...l Liability, Pollution Liability, Errors & Omissions, Directors & Officers, and Products Liability policies. PAs have ...The use of PAs will add to the profits and retention of your business.

...ur agency protect itself against errors and omissions. Applying New Compete...excellence in customer service, sales, and leadership. Her new book, Selling ...

...cially sound. If you have had any Errors and Omissions losses, step up to the issue...be good for the customer, the company, and your agency.

...ounding, the yearly renewal review, and new business. Agencies say it's hard e... Personal Lines reporting system today and watch your business grow!

...rs. This insurance policy covers errors and omissions, which can be a real problem...an you don’t need them. What you need and what the law requires can be two ve...

... be just as unprofitable as small one. Some Web-based marketing programs fail to differentiate between sales and profitable sales – which begs the question of what the agency is getting for its money. I've reviewed and analyzed a number of these programs. Some focus on advertising, which assumes that the services and benefits promised are real. If prospects see this advertising, and the agency using the program offers decent rates, then it should write lots of accounts. However, it will probably lose a lot of money in the process ... the fact is that few agencies can live up to the promises advertised. Eventually, the agency will lose its shirt in an errors and omissions (E &O ) lawsuit because it's not offering the services or the quality of services advertised on its Web site. Agency owners need to understand that, although only a small percentage of people ever paid attention to the hyperbole in paper brochures, Internet advertising never disappears. Search engines can quickly find all the promises an agency has ever made, meaning that the agency facing a complaint ... little chance. How many sales does an agency have to make to cover an E&O claim? When calculating this cost, be sure to include your time, frustration, stress, higher E&O premiums, and damaged reputation. Another factor to consider is: What makes a prospect's phone call or e-mail funneled through a web site any better than one funneled through a Yellow Page ad? Is the hit ratio better? Is the retention rate higher? Is the quality of the account better? What is the profitability ...

... with the authorization and procedures established by CIS from time to time. 3.15 A Party shall be authorized to conduct business in its own name with or without indicating its association with CIS as it may elect; provided, however, that any reference to CIS in any advertising or promotional materials used by any Party shall be subject to the prior written consent of CIS before it shall be used. 3.16 No percentage of Net Annual Commissions shall be due to a Party under any section of this Agreement unless and until the full commission on ... shall process the endorsement, provided that CIS shall remit to the Party for whose Account the endorsement shall have been processed the same percentage of commission stated in Section 3.5 hereof and in the manner provided for in said Section 3.5. 3.12 CIS shall provide a policy of errors and omissions insurance with limits of liability of $1 million in the aggregate per occurrence upon such terms and conditions as CIS shall deem to be reasonable and appropriate and shall name thereon as a named insured each of the Parties hereto. In the event CIS shall ... unable to provide such coverage for or on behalf of any Party, CIS shall notify such Party immediately upon learning of such inability, and each Party shall then take all necessary and reasonable steps to obtain a policy of errors and omissions insurance in its own name with limits of liability as aforesaid and shall provide CIS with a copy of the declaration page of such policy upon demand. 3.13 All insurance business produced by a Party shall be coded on the books of CIS to indicate ownership thereof by such Party. Commissions due on account ...

... if the identification includes a trade channel limitation, deleting that limitation would broaden the scope of the identification. The identification of goods and services must not describe the mode of the mark's use, such as on labels, stationery, menus, signs, containers, or advertising. There's another place on the application, called the method-of-use clause, ' for this kind of information. (See information below, under Space 7[a ], fourth blank.) For example, in the identification of goods and services, the term ... 30/2013 10:39:13 PM by CompleteMarkets Editor This content has not been rated yet. BASIC FACTS ABOUT REGISTERING A TRADEMARK Part 3 of 5 &# 160 FILING REQUIREMENTS Before completing an application, read the instructions carefully and study the examples provided. Errors or omissions may result in the denial of a filing date and the return of application papers, or the denial of registration and forfeiture of the filing fee. To receive a filing date, the applicant must provide the following: Filled-out application form Drawing of the ... on a separate piece of paper Required filing fee (see end of this document for fee information) Three specimens for each class of goods or services-if application is based on prior use of the mark in commerce (The specimens must show actual use of the mark with the goods or services, and may be identical or examples of three different uses showing the same mark.) 1. Written Application Form (PTO Form 1478) The application must be in English. A separate application must be filed for each mark the applicant wishes ...

... and procedures established by CIS from time to time. &# 160 3.15 A Party shall be authorized to conduct business in its own name with or without indicating its association with CIS as it may elect; provided, however, that any reference to CIS in any advertising or promotional materials used by any Party shall be subject to the prior written consent of CIS before it shall be used. &# 160 3.16 No percentage of Net Annual Commissions shall be due to a Party under any section of this Agreement unless and until the ... endorsement, provided that CIS shall remit to the Party for whose Account the endorsement shall have been processed the same percentage of commission stated in Section 3.5 hereof and in the manner provided for in said Section 3.5. &# 160 3.12 CIS shall provide a policy of errors and omissions insurance with limits of liability of $1 million in the aggregate per occurrence upon such terms and conditions as CIS shall deem to be reasonable and appropriate and shall name thereon as a named insured each of the Parties hereto. In the event CIS shall ... unable to provide such coverage for or on behalf of any Party, CIS shall notify such Party immediately upon learning of such inability, and each Party shall then take all necessary and reasonable steps to obtain a policy of errors and omissions insurance in its own name with limits of liability as aforesaid and shall provide CIS with a copy of the declaration page of such policy upon demand. &# 160 3.13 All insurance business produced by a Party shall be coded on the books of CIS to indicate ownership thereof by such Party. Commissions ...