Search CompleteMarkets

...mmuters in the California program generally experienced more positive changes ...en you start a company telecommuting program, you'll be venturing into barely ...

...tion. This type of information is generally not confidential information, nor ...plementing an information protection program. Should you encounter a breach, o...

...th such carriers as AGF, Allianz, Generali, and Winterthur), and reinsurance/v...res: Auto, Health, Marine, Products Liability, Workers' Compensation, and so f...

...ling has been abused, misused and generally misconstrued — but that doe...s, how to create a workplace safety program, and tips on controlling costs af...

... essential insurance requirements in such lines as Products Liability through major insurers in Canada, particularly those with operations in the United States. Agents have been able to access U.S. insurers that frequently include Canadian exposures under their U.S. coverage. European insurers are following their European manufacturing accounts into North America. Canadian brokers and U.S. agents are involved in placing insurance in Canada or the United States on behalf of the European insurers and their clients. Generally, European insurers believe in long-term arrangements and are eager to work with IMMS member agents ... respond within 30 days. The process in the United States is usually much longer (60 to 90 days) because of the detail required and multi-state involvement. REVERSE FLOW BUSINESS: ON THE RISE "Reverse flow" business-involving domestic subsidiaries of foreign parents-is playing an increasingly important role in the international insurance market. These accounts will continue to grow as smaller to medium-sized U.S. accounts expand into Canada. Canadians have high technical skills in aviation, automotive, steel, and automation, competing actively on a global basis. For example, ... of the Ford Windstars for the North American market are now made in Oakville, ONT. Such economic activities result in Canadian IMMS member brokers working with IMMS member agents in the United States to insure these accounts. This business can be expanded in Life & Health insurance, pension consulting, and possibly placement of insurance in emerging third-world countries. Such nations as Argentina, Brazil, Chile, China, the Czech Republic, Malaysia, Mexico, Thailand, and Vietnam are on a fast track for economic development. This growth offers a ...

...l loss magnitude. A rural setting generally increases the desirability from a ...ns Directors and Officers legal liability Property and All Risk Coverage ...

...or area of study is the changing liability resulting from: newly formed corpor...carefully examine the potential for liability and weigh the possible risks tha...

... facility, telecommuters can often continue to work. If telecommuters must access information on company computer networks, you may want to consider having a backup network offsite. RISKS Telecommuting isn't for everyone. Certain jobs lend themselves to telecommuting. Information workers are an obvious choice; manufacturing workers aren't. Professionals comprised the majority (72%) of telecommuters in the California program. In this program, jobs ranged from accountants to researchers and included administrative law judges, lawyers, policy analysts, and appraisers. Where professional or skilled workers are represented ... way their performance will be evaluated A home office has pros and cons. The majority of telecommuters work at home. Working at home eliminates commute time and company rent expenses for that worker. But there are disadvantages. Does the worker have the necessary space? More importantly, is that space suitable? The company has the responsibility of making sure employees' workplaces meet OSHA work safety and indoor air quality regulations - even if their home is their workplace. Likewise, injuries that occur while the worker is on the job, even ... Reduced or eliminated commute time, reduced stress, and fewer distractions may account for this. Enhances employee retention. The California Telecommuting Pilot Program found that telecommuting helped the employer retain the services of mothers during maternity leaves. Reduces worker stress. Telecommuters in the California program generally experienced more positive changes in their personal and work relationships than did the members of the control group. Helps recruitment of in-demand workers. Telecommuting removes geographical barriers - you can hire the most qualified workers, no matter where they're located. And as more companies permit ...

... indicating that the insured had all the proper coverages to meet the standards of contracts required by the client. The client, a general contractor, reported a loss arising from the work of the insured. The loss resulted in discontinuation of underground utility service to a major manufacturing plant. The insured, a swimming pool subcontractor, did not have coverage for the underground property damage. The insurance carrier for the general contractor responded to the loss, and then subrogated against the pool contractor. Finding for the plaintiff-who subsequently found another insurance-related resource ... The next section focuses on specific cases from our files that substantiate that we truly have a Duty to Perform. LEGAL ACTIONS: FOLLOWING THE PULSE OF E&O CASES After reading the section above, a fellow agent of ours indicated that it assisted him in making an important decision: to sell his agency. It doesn't have to result in that dramatic a solution, if we followed the pulse of legal actions filed recently. Here are some actual cases from our files. Case No. 1: Failure to Obtain the Proper Coverage ... fur items. Award for the plaintiff (insured) . If that sounds like a simple mistake, take a look at this error in obtaining the proper coverage: Case No.2: Failure to Obtain Proper Coverage To maintain his business relationships with clients, the insured required general liability and other coverages. A certificate of insurance was issued indicating that the insured had all the proper coverages to meet the standards of contracts required by the client. The client, a general contractor, reported a loss arising from the work of the insured. ...

...ith clients, the insured required general liability and other coverages. A cer...em task lists on his agency software program. This will provide immediate guid...