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... show it to your landlord when you lease your studio. You will also want Work...Be sure you have adequate insurance coverage before you teach your next class.

... Services Glossaries Management Resources & Links Categories Popular Recent All Back The Hold-Harmless Or Indemnification Clause 4/30/2013 12:00:00 AM by CompleteMarkets Editor , david goodwin This content has not been rated yet. P/C agents often have reviewed contracts and leases in conjunction with writing Contractual Liability coverages. In many cases, agents will advise clients to reject hold-harmless clauses which place undue hardship on them. Yet insurance agents themselves may be in the grip of hold-harmless clauses, which could lay immense financial burdens on them, ... transactions by it, its appointees, employees, or other persons under its supervision. Further, the contract states, In the event of breach of this agreement by Agency, Company shall be entitled, in addition to any claim for damages, (i ) to obtain enforcement by way of injunction (including temporary or preliminary injunctions) and (ii) to terminate Agency's entitlement to any future renewal commissions, whether or not vested. Those two sentences can crash a career. Consider what they say about an innocent sequence such as this: ... deliver a Life policy and it's later discovered that the company failed to include a copy of the supplemental smoking questionnaire. Company rules state that the agent should check the policy before delivery for completeness. That omitted smoking questionnaire causes the company to lose a lawsuit. Since the company could claim the agent's act to be unauthorized, ' albeit innocent, the agent could be liable for all legal costs and damages, and in addition be terminated and lose all commissions, despite being vested. This is grossly unfair, of course; it's ...

... determination of whether or not a joint employment relationship exists is not determined by the application of in any single criterion, but rather the entire relationship is to be viewed in its totality. For example, joint employment will ordinarily be found to exist when a temporary or leasing agency supplies employees to a second employer. (c ) In joint employment relationships, only the primary employer is responsible for giving required notices to its employees, providing FMLA leave, and maintenance of health benefits. Factors considered in determining which is the primary' ... This delay in the effective date applied only to employees covered by a CBA in effect on August 5, 1993, and not, for example, to non-bargaining unit employees. The Wage and Hour Division of the U.S. Department of Labor's Employment Standards Administration administers and enforces FMLA for all private, State and local government employees, and some federal employees. FMLA entitles eligible employees to take up to 12 weeks of unpaid, job-protected leave each year for specified family and medical reasons. An eligible employee's right to FMLA leave began on ... qualifying under the Act for FMLA leave purposes (e.g., the birth of a child) occurring before August 5, 1993, still entitled eligible employees to the benefits of FMLA on and after August 5, 1993. The new law contains provisions relating to employer coverage; employee eligibility for the benefits of the law; entitlement to leave, maintenance of health benefits during leave, and job restoration after leave; notice and certification of the need for FMLA leave; and protections for employees who request or take FMLA leave. In ...

... commissions. Fees received by [Agency] in lieu of or in addition to commissions (excluding so-called late charges or interest on unpaid premiums) shall be deemed to be commissions. [Agency] shall provide [Employee] with the use of an automobile owned or leased by [Agency] . [Agency] shall pay all reasonable expenses of operation and maintenance thereof, subject to certain reimbursement as provided hereinafter. [Employee] shall reimburse [Agency] for ten percent (10%) of all reasonable operating expenses which shall ... in large part due to the exclusive retention of such confidential information and continuation of such personal relationships with insureds, [Employee] does hereby covenant and agree as follows and acknowledges that the following covenants are reasonably necessary for the protection of [Agency] and may be enforced to the extent set forth herein or such extent as any court of competent jurisdiction may deem reasonable and proper: [Employee] agrees that all information governing the insurance of [Agency] 's customers (inclusive of those accounts produced by [Employee]) ... all commissions on account of the writing of life insurance (whether individual or group) shall be excluded from the within computation in that rights to receive such commissions shall not be sold to [Employee] hereunder. The reference to life insurance shall include all life related coverage commonly sold by life insurance companies such as disability income insurance, accident and health insurance and other similar coverages. In the event that [Employee] shall elect to exercise said option to purchase hereunder, he shall do so by notice in writing delivered to the ...

...and [Employee] hereby waives and releases all claims of right or ownership the...the costs of insurance, registration, lease or purchase payments and repairs o...

...tage, ownership of the building or lease arrangements, condition of equipment ...footage, ownership of the building or lease arrangements, condition of equipme...

...diction in which the Buyer owns or leases properties or conducts operations an...cceptance, performance, default or enforcement of the Note, or any security th...

...iction in which the Seller owns or leases properties or conducts operations an... Accounting Date, the cost of which coverage shall be borne exclusively by the...