https://completemarkets.com/Article/article-post/227/Emerging-E-O-Loss-Exposures/
...programs for affluent clients for general information, because they probably h... carefully scrutinize the financial performance and ratings of the standard an...
https://completemarkets.com/Article/article-post/2136/LOOKING-TO-INSURE-SOCIAL-SERVICES-AGENCIES/
...t so as to not impair the overall General Liability limits. Many social services agenc... protection. Because carriers will ask for a variety of information, allow yourself enough time t...
https://completemarkets.com/Article/article-post/1543/FIDUCIARY-CLAIMS-BECOME-PECUNIARY-PAIN/
...cers (CEOs) think that fiduciary liability is solely the responsibility of the...s. Call us for details on Fiduciary Liability insurance.
https://completemarkets.com/Article/article-post/1592/Kpmg-Analysis-Adr-Gaining-Acceptance-In-Averting-Litigation/
..."
Mazadoorian, a former assistant general counsel for CIGNA, says the use of A...ction lawsuit can provide "an added comfort level and trust factor in settleme...
https://completemarkets.com/Article/article-post/2756/Insurance-for-Counselors-Therapists-Home-Healthcare-and-More/
...o provide professional liability, general liability and abuse coverage for a wide variety of services for the mind and body including:
- Beau...
https://completemarkets.com/Article/article-post/2534/Selling-to-non-profits-Start-Now/
...l malpractice and
other types of liability coverage. “Some of these tend to be...the US, there is plenty of opportunity for agents looking to build their
non-p...
https://completemarkets.com/company/CompleteMarkets/Articles/content-package/IMMS-Library/TabCategory/article-post/227/Emerging-E-O-Loss-Exposures/
... expertise, ask your company underwriters their position on the subject and what they need. It's better to use co-named insureds in lieu of additional insured arrangements, if possible. It's also wise to ask companies that write a lot of Personal Lines programs for affluent clients for general information, because they probably have expertise in this area. Some experts predict that trusts and ownership transfer arrangements will become as common as wills in the near future, because they provide an easy, inexpensive way to avoid the delay and public disclosure of probate. ... insurance agents need to be more diligent than ever in analyzing their Errors and Omissions risks and exposures. Some of the areas that open up agency E&O exposures are trusts, cyber risk, Non-Ownership Auto exposures (Personal and Business Auto), D&O Liability, Umbrella & Excess Liability, Employment Practices, home-based businesses, intellectual property exposures, and company solvency issues. Everyone at every agency should keep "due diligence" and "awareness" in mind while taking care of clients. Agents, like other professionals, ... Homeowners policy doesn't cover. Exercising due diligence here means asking the questions and getting a handle on the types of exposures. Conflict between Personal and Business exposures might be resolved by writing the client's Homeowners and Home Business policies with the same insurer. DIRECTORS & OFFICERS LIABILITY Nonprofit and for-profit corporations both have an obvious D&O exposure that the insurance professional should deal with in fact-finding and at renewal. What about the exposure of an individual who's a director for either type of corporation? The Personal Lines agent needs to be aware of ...
https://completemarkets.com/company/CompleteMarkets/Articles/content-package/IMMS-Library/TabCategory/article-post/1663/HEALTH-INSURANCE-MODULE-V-H/
... for a time, and made obsolete by the emergence of new, more modern versions. Plans have always attempted to extend their benefits to encompass ever-more sophisticated methods of medicine and its delivery. The earliest forms of individual Health insurance, introduced prior to 1910, were generally issued as an adjunct to Disability Income insurance and provided for a 50% to 100% increase in the monthly Disability benefit during hospital confinement. It was not really until the 1930s and the Depression years that a form of Health or Medical Expense insurance separate from ... total employee benefits package for your insured. Method of Benefit Delivery Although designed to cover the same basic risks, insured plans, pre-paid plans, and HMOs and PPOs deliver their benefits quite differently. Insured Plans-Generally, an insured plan will have an overall lifetime limit of liability, stating that a covered person may only be covered for'$[Amount] lifetime limit of liability, from all causes. That limit is commonly $1 million or more. These limits are based on actual cash payouts of plans. Some plans have unlimited ... lifetime benefits, and some will make incremental restoration of amounts used to the total available lifetime limit during the year after use. Insured plans almost always have an annual deductible, ranging from $100 to $10,000 or more, which is often selected by the insured. (In a Group insured plan, the deductible per employee may be dictated.) For each covered participant, the deductible has to be satisfied, from the first claims submitted each year. Some plans offer limitations on deductibles for insureds with families. ...