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...s the largest portion of marital property. In most cases, a lump sum or sched...that is often done to the productivity and sales activity of the agency operat...

...l cover the most usual forms for property and casualty production agencies. T...ding. If the ESOP were set up earlier, and could gradually build up funds to b...

...ate coverage for the underground property damages. The general contractorR...ave a system. Innovation, spontaneity, and creativity have their place in age...

... assets. Even a non-working spouse may be seen as having contributed to the success of the business and be legally entitled to part of the value. Coming to an equitable settlement can be difficult when the agency has prospered and its value represents the largest portion of marital property. In most cases, a lump sum or schedule of payments from the agency owner to the spouse will be imposed by the divorce settlement. If these payments are excessive, they can seriously hamper agency expansion efforts or may aggravate existing differences between several owners. ... . In general, handbooks should avoid generalities that can be harmful, such as We always promote from within. They should not include a list of particular actions that could lead to discharge unless it is specified that the list is only partial. Agency owners that wish to preserve the right to termination at will should be careful that the manual does not establish an agreement to discharge only for good cause. When the manual is distributed, the employees should be asked to sign a paper acknowledging that they have received and read the manual and ... All Back Avoiding Adverse Legal Decisions 4/30/2013 10:36:15 PM by CompleteMarkets Editor , Carol Hammes This content has not been rated yet. AVOIDING ADVERSE LEGAL DECISIONS by Carol Hammes Several months ago we addressed the potential for lawsuits associated with agency errors and omissions. Unfortunately, there are a number of other threats to the small business owner that can turn the life of even the most cautious agency principal into a real nightmare. This month we will deal with two types of legal action that can seriously drain ...

...s in which to renew all existing property and casualty insurance business for ... EXHIBIT 14 DISCLOSURES OF THE SELLER AND STOCKHOLDER PURSUANT TO SECTION 14