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...he past 15 years, the issue of professional goodwill has often arisen. When ...mine that elusive value: personal professional goodwill. Roy L. Phillips, ...

... in judgment. Will your agency be sued for failing to provide proper coverage (the primary cause of E&O claims)? The odds are against you. Here's a recent E&O claim that illustrates this scenario. The ending is not pretty. A nursing home employees was tested for drug use after a narcotic disappeared from the medical department. The employee sued, alleging wrongful termination and defaming statements following the drug-testing procedure. The matter was reported to the nursing home's Comprehensive General Liability (CGL) carrier, but it ... 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 ... , checklists, tip sheets, sales letters, and more! 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 Are You Offering Employment Practices Liability Insurance?4/30/2013 10:44:07 PM by CompleteMarkets Editor , Curtis Pearsall This content has not been rated yet. ARE YOU OFFERING EMPLOYMENT PRACTICES LIABILITY INSURANCE? by Curtis Pearsall Claims alleging wrongful employment practices have undoubtedly increased significantly over the ...

...ts of services, many insurance professionals have had personal interaction wit...s to consider. Sizeable Liability/Professional losses can occur where the unde...

...rio. The ending is not pretty. A nursing home employees was tested for drug u... Is there vicarious or third-party Liability coverage? Are employees cov...

... thousands of articles, checklists, tip sheets, sales letters, and more! 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 Convalescent And Nursing Homes - "You Provide Care - So Do We"4/30/2013 10:38:09 PM by CompleteMarkets Editor This content has not been rated yet. CONVALESCENT AND NURSING HOMES - YOU PROVIDE CARE - SO DO WE' Dear (Customer ... , and physical therapists. Everyone is vulnerable to a liability lawsuit. (Your Agency Name) knows your areas of risk. We know your organization has special insurance needs because we've been insuring convalescent and nursing homes for more than ( ) years. Our staff of professionals provides for your needs as you provide for your patients' needs. We can design a customized insurance program for you, as well as suggest risk management techniques to reduce your loss claims. Let us attend to your needs. We'll call you to set up ... appointment. Sincerely, (Your Name) 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, 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 ...

... Is your agency quoting any professional liability for counseling businesse... markets that are able to provide professional liability, general liability and abuse coverage for a wide va...

Convalescent And Nursing Homes - "A Risk Management Program"<...Agency Name) specializes in insuring nursing and convalescent homes, we can he...

...tioners, and other health care professionals also have the legal right to pres...ow Power Recreational Motor Vehicle Liability Coverage Endorsement ISO has re...

... physician dies, becomes disabled, or retires, intrinsic and professional goodwill both come to an end. If another physician acquires the practice, the clinic might retain some patients from the previous doctor. These patients retain the new doctor because of past good experiences, friendly nurse and staff, location, and the clinic's long history in the community. This is intrinsic goodwill. The new doctor, if experienced, may bring professional goodwill of his or her own. That is, the new doctor may keep some patients and attract new ... 44:36 PM by CompleteMarkets Editor , Roy Phillips This content has not been rated yet. DIVORCE AND AGENCY VALUE: SEPARATING GOODWILL by Roy Phillips In my agency valuation work with agents and their spouses in divorce cases over the past 15 years, the issue of professional goodwill has often arisen. When a couple divorces, they seek to divide their community interest between them. All assets and liabilities must be assessed to enable the court to make an equitable division of property. If one of the spouses is an insurance agent, ... or her book of business thus becomes subject to valuation, and such intangible property often depends a great deal on professional goodwill. In my opinion, there are two types of goodwill in every insurance agency. The first is intrinsic goodwill. Simply stated, this is the continuation of the client base even after the owner has departed because of death, disability, or retirement. It takes into account the ability of the agency to retain clients through very little effort of the owner. Elements of this goodwill include the service of tenured ...

... . Again, some employers offer basic disability insurance that covers extended illnesses, but you need to determine if the coverage is long- or short-term to meet your needs adequately. &# 160 Long Term Care Insurance. Provides coverage for skilled and custodial care in a nursing home. Some policies also may cover home health care expenses. You can purchase coverage for yourself, your spouse and your parents to offset the costly expense of nursing home care, which most people pay out of their savings. Policy costs are determined by the ... 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 ... and other belongings in her apartment, and provided her with a renters insurance policy to ensure replacement should she experience a loss. She also purchased a special floater policy to protect her computer system investment. &# 160 Tailor the Right Coverage &# 160 Property/Liability Insurance. Provides for your home, automobile, and household or other possessions, and from claims against you for something you did or failed to do which resulted in physical or financial loss to the person filing the complaint. &# 160 Life Insurance. Pays ...