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... Specific coverage for wrongful employment conduct can actually be purchased in a number of ways. The most common are individual stand-alone policies covering your liability for specifically enumerated wrongful practices. EPLI coverage can also be obtained by the attachment of riders or endorsements to other policies such as Directors & Officers policies and others. The benefit of purchasing coverage under a unitary contract, however, is that the coverage provided is usually broader and the limit of liability is not eroded by the payment of unrelated coverage. Endorsements to other kinds of policies ... only provide limited protection and often lack a duty to defend. But criticism of the stand-alone policy approach is that the coverage can be expensive and it may be difficult to purchase policy limits greater than $10 million. Yet another approach is to purchase coverage for defense expenses only. This approach has the benefit of protecting against the often enormous cost of defense but keeps the price down by precluding coverage for judgments and settlements. Duty to Defend The promise by the insurer to defend the insured is arguably one of the most desirable features ... Technology Life/Financial Services Glossaries Management Resources & Links Categories Popular Recent All Back Epl: Building A Three-Legged Stool Of Protection 4/30/2013 10:35:25 PM by CompleteMarkets Editor , Gary Griffin This content has not been rated yet. EMPLOYMENT PRACTICES LIABILITY INSURANCE: BUILDING A THREE-LEGGED STOOL OF PROTECTION by Gary Griffin, ARM, and Rachel McKinney As the incidence of wrongful employment practice suits increases, savvy employers are taking proactive steps to control both the frequency and severity of claims. But even the most aggressive prevention ...

...R LITIGATION, LIABILITY INSURANCE, AND DISPUTE RESOLUTION 4.1 Risks posed by....C.P. Sections 1280-1288.8. They apply to discrimination claims as well as con...

... whether wholly or partially owned, nor is the Agency a party with any other entity or individual in any joint venture or other undertaking. k.The Agency does not own, and never has owned, any real property. The Agency has no agreement with any employee, director, agent or officer except oral agreements of employment that may be terminated at will. SCHEDULE 3(l ) contains a true and complete roster of the employees of the Agency setting forth the name of the employee, current rate of regular compensation, date and ... of last bonus or other special compensation, if any, commission rates, if any, and date of last raise or other change in compensation. No changes in compensation of any employee shall be made or promised prior to the Closing Date. No employee has given notice of intent to terminate his or her employment nor has or will the Agency terminate any of its employees except for cause and with notice to the Buyer. SCHEDULE 3(l ) contains a true and complete itemization of all existing employee fringe benefit plans and a ... ' knowledge, in accordance with generally accepted accounting principles, consistently applied throughout the periods covered thereby and present fairly the financial condition of the Agency as of the dates thereof. The aforesaid financial statements make adequate provision for or disclosure of all fixed, absolute and contingent liabilities, obligations and commitments of the Agency including, but not limited to, accrued taxes as of the dates thereof. No material adverse changes or events have occurred or will occur prior to the Closing hereunder affecting the condition of the Agency, financial or otherwise, ...

... corporation, overseeing all management and Agency operations. His other duties shall consist of marketing and sales of commercial lines, as well as overseeing the Personal Lines Department and general administration of the Agency, and serving on any Executive Committee' established by the Agency's Board of Directors (the Board'), including full authority to make decisions regarding all matters generally included in these areas. His specific responsibilities in those areas shall include without limitation the following: 2.1.1 Corporate Administration. Oversee office manager-office Manager will report directly to [Employee] ... President for all administrative procedures and issues Personnel issues-entire staff Agency accounting-check signing (if [Employee] absent, XXX will sign next, then [Agency]; XXX signs checks payable to [Employee]), management reports, accounts receivable, and enforcement of collection procedures Produce reports Agency agreements-processed and signed by [Employee] as President Insurance company representatives-meet with or assign to proper department head Serve on Executive Committee Responsible for other agency acquisition possibilities 2.1.2 Personal Lines Manager. Coordinate all functions in the Personal Lines Department, including without limitation ... Contract and complying with all of its provisions to their fullest extent. If [Employee] is enjoined or otherwise prevented by judicial or administrative determination from complying with the terms of this Contract, then the Board may terminate his active management employment immediately without incurring any further liability. 8. CROSS-DEFAULT 8.1 Timing. Time is of the essence in this Contract. 8.2 Other Agreements. It is the intent of all parties involved in the merger, that agreements involved therewith be subject to cross- default in order to protect [Employee] ...

...ements to other policies such as Directors & Officers policies and oth...__________________ ADDRESS YOUR FAX TO THE RISK MANAGEMENT LETTER at (714) ...

...blished by the Agency's Board of Directors (the 'Board'), including full autho...182 NE 222nd Its: Vice President Portland, OR 88020 Address: P.O. Box 2112 Portland, OR 88020

... parent, child, spouse or sibling of an account otherwise on the books of the Agency or (ii) it is a subsidiary, affiliate of or otherwise under common ownership by an account otherwise on the books of the Agency. Personal accounts developed from officers, directors or employees of a commercial account that is not part of the Producer's Book of Business shall not be included in the Producer's Book of Business. c. Net Annual Commissions' shall mean gross annual commissions less return commissions earned by the Agency on account of insurance ... is a parent, child, spouse or sibling of an account otherwise on the books of the Agency or (ii) it is a subsidiary, affiliate of or otherwise under common ownership by an account otherwise on the books of the Agency. Personal accounts developed from officers, directors or employees of a commercial account that is not part of the Producer's Book of Business shall not be included in the Producer's Book of Business. c. Net Annual Commissions' shall mean gross annual commissions less return commissions earned by the Agency on account ... to a policy on which a commission has been received. d. New Policies of Insurance' shall mean new lines of insurance coverage produced solely and exclusively through the efforts of the Producer for accounts of the Agency assigned to the Producer for servicing. Increased limits of liability and/or endorsements to existing policies or consolidation of existing coverages under separate policies into a single policy or rewriting of existing policies with other insurance companies shall not be deemed New Policies of Insurance. 2. Term. Commencing ___, 20_, the Producer agrees ...

...to such persons and the Board of Directors of CIS. 2.7 There shall be no trans... unabated for 10 days following notice to the Party that CIS deems it to be in breach hereof, Total Permanent Disability of an indivi...

...to such persons and the Board of Directors of CIS.   2.7 There shall be ...6.2 Each Party shall notify CIS of any and all litigation to which such Party may become a Party, whether as plaintiff or defendant.   6.3 Each Party shall n...

...ntatives to communicate with the directors, officers, employees and agents of the Seller at reasonable tim... EXHIBIT 14 DISCLOSURES OF THE SELLER AND STOCKHOLDER PURSUANT TO SECTION 14