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...al or corporate entity that owns property or conducts any business or governme...wing groups is recommended: Public Risk and Insurance Management Asso...

...e-based businesses, intellectual property exposures, and company solvency issu...st’s “Key Rating Guide” or a similar publication every year. Today there’s so ...

...mail to Amy Geffen CHARTERED PROPERTY AND CASUALTY UNDERWRITER (CPCU) Beh...financing resources Pooling for public entity risk financing Continuing Educati...

... shall be the sole and exclusive property of Employer for any purpose or use w...ered a 'work made for hire' and the property of Employer. Busi...

...ompensation, and high-deductible Property. Various types of entities that coul...riation. This benefit is of value in public entities where cash-strapped offic...

... Loss Reports Examination of property, liability, and Workers Compensation...

...d financial survival rather than property, liability including auto, and worke...

... /C agent) as an independent contractor even if they otherwise qualify as an employee. Include prospects or departed clients in Non-Compete and Non-Piracy clauses. You spend agency time and money in prospecting. This time and money makes the relationship built and the information gathered agency property even if this information is in the public domain. If a former employee claims that the information is available to the public, let them spend their time and money to gather it again. Any information they gathered while employed by and being paid by the agency ... to the agency. Information in your files created during the period that a client was with your agency is both valuable and can be used to re-solicit a departed client if their new agent did not fulfill their promises or cement their relationship with the client. Unfortunately, we've testified as an Expert Witness in several cases that involved a soon-to-leave employee causing clients to move during the year before their departure, assuming that these "former" clients would not be subject to the employee's Non-Compete Clause. If written properly, you can plug this ... in the Non-Compete Clause of your employment agreement. Courts nationwide have consistently struck down such limits, reasoning that you can't stop a person from working in their profession in their home area. Instead, forbid them to take — or have anything to do with another insurance entity taking — any accounts that they produced or for which they were responsible, or any other accounts that the agency is actively prospecting or that had been lost to the agency in the year before the employee's departure (See #5 below) . Understand the term ...

... /C agent) as an independent contractor even if they otherwise qualify as an employee. Include prospects or departed clients in Non-Compete and Non-Piracy clauses. You spend agency time and money in prospecting. This time and money makes the relationship built and the information gathered agency property even if this information is in the public domain. If a former employee claims that the information is available to the public, let them spend their time and money to gather it again. Any information they gathered while employed by and being paid by the agency ... to the agency. Information in your files created during the period that a client was with your agency is both valuable and can be used to re-solicit a departed client if their new agent did not fulfill their promises or cement their relationship with the client. Unfortunately, we've testified as an Expert Witness in several cases that involved a soon-to-leave employee causing clients to move during the year before their departure, assuming that these "former" clients would not be subject to the employee's Non-Compete Clause. If written properly, you can plug this ... in the Non-Compete Clause of your employment agreement. Courts nationwide have consistently struck down such limits, reasoning that you can't stop a person from working in their profession in their home area. Instead, forbid them to take — or have anything to do with another insurance entity taking — any accounts that they produced or for which they were responsible, or any other accounts that the agency is actively prospecting or that had been lost to the agency in the year before the employee's departure (See #5 below) . Understand the term ...

... /C agent) as an independent contractor even if they otherwise qualify as an employee. Include prospects or departed clients in Non-Compete and Non-Piracy clauses. You spend agency time and money in prospecting. This time and money makes the relationship built and the information gathered agency property even if this information is in the public domain. If a former employee claims that the information is available to the public, let them spend their time and money to gather it again. Any information they gathered while employed by and being paid by the agency ... to the agency. Information in your files created during the period that a client was with your agency is both valuable and can be used to re-solicit a departed client if their new agent did not fulfill their promises or cement their relationship with the client. Unfortunately, we've testified as an Expert Witness in several cases that involved a soon-to-leave employee causing clients to move during the year before their departure, assuming that these "former" clients would not be subject to the employee's Non-Compete Clause. If written properly, you can plug this ... in the Non-Compete Clause of your employment agreement. Courts nationwide have consistently struck down such limits, reasoning that you can't stop a person from working in their profession in their home area. Instead, forbid them to take — or have anything to do with another insurance entity taking — any accounts that they produced or for which they were responsible, or any other accounts that the agency is actively prospecting or that had been lost to the agency in the year before the employee's departure (See #5 below) . Understand the term ...