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Hidden Liabilities In Mergers And Acquisitions
  HIDDEN LIABILITIES IN MERGERS AND ACQUISITIONS by Arthur Parry Increased financial benefits coupled with regulatory restrictions have caused ma... Item or Activity Security &Audit ...

Emerging E&O Loss Exposures
With so many new concepts, new types of bus...ertain to leave an agency in a poor position to defend itself. Due diligence can help reduce the frequency and severity of E&O claims as well as give y...

... conversion, and so on-in conjunction with complaints alleging discrimination, sexual harassment, or wrongful discharge. [2 ] Tail coverage is usually restricted to covered acts occurring during the policy period or retroactive period. There's usually no coverage for claims based on covered acts taking place after the policy expires. The goal of the CompleteMarkets editor is to bring valuable content to the CompleteMarkets members. Providing content to insurance professionals to enhance their sales process, increase revenue streams, understand their clients and provide value to their agency. Login or Register (for FREE) to gain access to thousands of other great articles. Need more reasons to join? Need insurance for you, your business or your family? Get quality appointments - Save yourself a whole lot of time & money when you use our directory of carriers ... like/dislike? 3. Why did you choose this rating? Submit This Anonymously Submit Cancel Contact Us contact_phone Click to call Unfollow First name: Last name: Email: Are you sure you want to deactivate your CompleteMarkets Company Profile Deactivate Cancel Loading.. About Us Services Jobs PR Newsletters Employees Articles Blog Photos Group Connections Reviews Member Content Member Content - Content Package Categories Popular Recent All Back Employment Practices Liability Insurance: Occurrence Forms versus Claims-Made Forms 10/20/2016 12:00:00 AM by CompleteMarkets Editor This content has not been rated yet. Before the advent of specialized Employment Practices Liability (EPL) insurance policies, many employers sought coverage under one or more of their standard Liability insurance policies. Because some of the early EPL claims were paid under these general policies, it's fair ...

... your business or your family? Get quality appointments - Save yourself a whole lot of time & money when you use our directory of carriers, wholesalers and service providers. Negotiate lucrative contracts with carriers and wholesalers. Net result. More revenue for your agency! Clients & Prospects will research you, your co-workers and your agency here. The most comprehensive online insurance industry reference library for - Personal Lines Professionals Commercial Lines Professionals Life/Health & Benefits Professionals Online newsletters and content that you can use for your clients and social media efforts. Ability to attach leads and clients to your specific market searches, with e-mail alerts for all the market, articles, blogs and people searches you make. And much more! All Articles by CompleteMarkets Editor Monetization type: None Comments (0 ) There are no ... ! Communications Marketing Customer Service Planning Finance/Accounting Risk Management Human Resources Selling Legal and E&O Technology Life/Financial Services Glossaries Management Resources & Links Categories Popular Recent All Back Epl Coverage Goes Where We Can't 5/15/2014 12:00:00 AM by CompleteMarkets Editor This content has not been rated yet. Workers Comp policies go by the official name of Workers Compensation and Employers Liability policy. With employers eager to assure their injured workers of recovery benefits, it's easy to overlook the Employers Liability' aspect of this policy. It's there to protect the insured employer against liability arising from physical injury and occupational illness claims not covered by Workers Comp. Once one learns of Employers Liability coverage's limitations, the value of adding Employment Practices Liability coverage to the program becomes obvious. Employers Liability ...

...ge will govern the scope and the limits of the coverage provided. You may wish... XXX & Company Street Address City, State Phone: Fax:

Employment Practices Liability Insurance: Occurrence Forms versus Cla... conversion, and so on-in conjunction with complaints alleging discrimination,...

...ps In my agency valuation work with agents and their spouses in divorce ca...mine that elusive value: personal professional goodwill. Roy L. Phillips, ...

...rs Compensation and Employers Liability policy.' With employers eager to assure their injured workers of recovery benefits, it's easy to overlook the 'Employers Liability' aspect of this policy. It's there to protect the insured employer against liability arising from physical injury and occup... loss-prevention specialists, helpful literature, and procedures to protect ag...

... and sell through Surplus Lines brokers, who are regulated. In some cases, you can do business with them directly. Many are large, well-managed companies with an excellent product. (Lloyd's is a surplus lines insurer in all states but Illinois and Kentucky.) Others are a little shaky. Have your broker analyze their stability. Don't hesitate to do business with a good Surplus Lines carrier. Professional Backup Probably the most important single point for the risk manager is to have a highly competent agent, broker, consultant, or other professional resource. Most public agency risk managers look to their agent or broker as the expert. In many cases, this is desirable, but only a few insurance professionals can also call themselves risk-management professionals. Risk-management professionals' credentials should be examined even more closely ... of a good risk manager. Here are just some risks that occasionally elude the public agency risk manager: Loss of revenue from shutdown of an income-producing activity: utility, toll road or bridge, auditorium, and so forth Loss of taxes because of destruction of a principal taxpayer's property Extra expenses from administrative dislocations following any catastrophe Extra expenses from hand processing data after loss of data-processing facilities Unusual types of liability, such as liquor liability, that are not perceived as important until an unforeseen situation Loss Prevention Safety programs affect insurance costs indirectly by reducing losses (which in turn indirectly affect premiums), but few safety measures are recognized in liability rating. To find out exactly what measures are important, ask your insurance agent for a breakdown of your rating factors. Larger Workers Compensation programs will also have ...

...nancial insurance (also known as Finite Risk insurance) is enjoying a revival in popularity as larger organizations search for way...____________________________________ CITY _____________________________ STATE...