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...d Watercraft Limited Worldwide Liability Extended Bodi...cally excluded accidental breakdown coverage for computer systems, telephone e...

... ' claim, it's very likely that the named insured didn't cause the claim, but might be liable for the damages resulting from it, which is the reasoning for broadening the wrongful acts definition. All things considered, a Third Party Coverage endorsement can be a worthwhile investment for any employer, because the stakes can be very high. Wayne E. Bernstein, CIC of e-perils.com, a division of Worldwide Facilities, Inc., is an independent insurance wholesaler specializing in Cyber insurance, D&O , E&O , Employment Practices Liability, Medical Malpractice, Crime, and Legal malpractice insurance for commercial and financial institutions. He can be reached at (213) 251-2427, fax (213) 380-4265, e-mail [email protected] , or Web site www.e-perils.com. Login ... When a claim or suit is made against an employer, the organization's first inclination might be to present the claim to its Commercial General Liability (CGL) insurer. However, most current CGL policies specifically exclude employment-related claims, so an employer shouldn't rely on this approach. If the allegation is purported to be an intentional act, the CGL policy won't respond, because it specifically excludes intentional acts from coverage. The CGL policy doesn't cover damages or awards and in the best-case scenario will only advance defense costs until a final determination of coverage is made. The Employment Practices Liability insurance policy addresses these types of claim exposures. However, the basic policy isn't enough to provide protection for third-party claims. Most insurance companies now offer a Third Party Coverage endorsement, which you must specifically request when negotiating the ...

...s intentional acts from coverage. The CGL policy doesn't cover damage...ll things considered, a Third Party Coverage endorsement can be a worthwhile ...

...a necessity for small businesses worldwide. As the global economy faces ongoi...g they have comprehensive insurance coverage and a financial contingency plan...

... reach as clients Less receptive to cold calling Technically advanced and better educated Experienced in using the Internet Comfortable buying on the Internet The most compelling reason for agents to use the Web is to convert these "cyber-prospects" into traditional policyholders. Currently substandard Auto, Health, and Term Life coverages offer the greatest potential business-but remember, the Web is tomorrow's window of opportunity. Think of the Web as a worldwide collection of interconnected pages that are often linked to other pages. The links are highlighted for easy recognition and are easily accessed by the click of the mouse. HOW WIDE IS THE WEB? Many agents wonder about the scope of the Web. Here are some of the facts: The Internet is growing faster than all other technologies before it. Radio took 38 years to attract an audience of ... a new kind of customer. Today's insurance customers are: Younger as a group (21 to 35) Harder to reach as clients Less receptive to cold calling Technically advanced and better educated Experienced in using the Internet Comfortable buying on the Internet The most compelling reason for agents to use the Web is to convert these "cyber-prospects" into traditional policyholders. Currently substandard Auto, Health, and Term Life coverages offer the greatest potential business-but remember, the Web is tomorrow's window of opportunity. Think of the Web as a worldwide collection of interconnected pages that are often linked to other pages. The links are highlighted for easy recognition and are easily accessed by the click of the mouse. HOW WIDE IS THE WEB? Many agents wonder about the scope of the Web. Here are some of the facts ...

... reach as clients Less receptive to cold calling Technically advanced and better educated Experienced in using the Internet Comfortable buying on the Internet The most compelling reason for agents to use the Web is to convert these "cyber-prospects" into traditional policyholders. Currently substandard Auto, Health, and Term Life coverages offer the greatest potential business-but remember, the Web is tomorrow's window of opportunity. Think of the Web as a worldwide collection of interconnected pages that are often linked to other pages. The links are highlighted for easy recognition and are easily accessed by the click of the mouse. HOW WIDE IS THE WEB? Many agents wonder about the scope of the Web. Here are some of the facts: The Internet is growing faster than all other technologies before it. Radio took 38 years to attract an audience of ... a new kind of customer. Today's insurance customers are: Younger as a group (21 to 35) Harder to reach as clients Less receptive to cold calling Technically advanced and better educated Experienced in using the Internet Comfortable buying on the Internet The most compelling reason for agents to use the Web is to convert these "cyber-prospects" into traditional policyholders. Currently substandard Auto, Health, and Term Life coverages offer the greatest potential business-but remember, the Web is tomorrow's window of opportunity. Think of the Web as a worldwide collection of interconnected pages that are often linked to other pages. The links are highlighted for easy recognition and are easily accessed by the click of the mouse. HOW WIDE IS THE WEB? Many agents wonder about the scope of the Web. Here are some of the facts ...

... reach as clients Less receptive to cold calling Technically advanced and better educated Experienced in using the Internet Comfortable buying on the Internet The most compelling reason for agents to use the Web is to convert these "cyber-prospects" into traditional policyholders. Currently substandard Auto, Health, and Term Life coverages offer the greatest potential business-but remember, the Web is tomorrow's window of opportunity. Think of the Web as a worldwide collection of interconnected pages that are often linked to other pages. The links are highlighted for easy recognition and are easily accessed by the click of the mouse. HOW WIDE IS THE WEB? Many agents wonder about the scope of the Web. Here are some of the facts: The Internet is growing faster than all other technologies before it. Radio took 38 years to attract an audience of ... a new kind of customer. Today's insurance customers are: Younger as a group (21 to 35) Harder to reach as clients Less receptive to cold calling Technically advanced and better educated Experienced in using the Internet Comfortable buying on the Internet The most compelling reason for agents to use the Web is to convert these "cyber-prospects" into traditional policyholders. Currently substandard Auto, Health, and Term Life coverages offer the greatest potential business-but remember, the Web is tomorrow's window of opportunity. Think of the Web as a worldwide collection of interconnected pages that are often linked to other pages. The links are highlighted for easy recognition and are easily accessed by the click of the mouse. HOW WIDE IS THE WEB? Many agents wonder about the scope of the Web. Here are some of the facts ...

... reach as clients Less receptive to cold calling Technically advanced and better educated Experienced in using the Internet Comfortable buying on the Internet The most compelling reason for agents to use the Web is to convert these "cyber-prospects" into traditional policyholders. Currently substandard Auto, Health, and Term Life coverages offer the greatest potential business-but remember, the Web is tomorrow's window of opportunity. Think of the Web as a worldwide collection of interconnected pages that are often linked to other pages. The links are highlighted for easy recognition and are easily accessed by the click of the mouse. HOW WIDE IS THE WEB? Many agents wonder about the scope of the Web. Here are some of the facts: The Internet is growing faster than all other technologies before it. Radio took 38 years to attract an audience of ... a new kind of customer. Today's insurance customers are: Younger as a group (21 to 35) Harder to reach as clients Less receptive to cold calling Technically advanced and better educated Experienced in using the Internet Comfortable buying on the Internet The most compelling reason for agents to use the Web is to convert these "cyber-prospects" into traditional policyholders. Currently substandard Auto, Health, and Term Life coverages offer the greatest potential business-but remember, the Web is tomorrow's window of opportunity. Think of the Web as a worldwide collection of interconnected pages that are often linked to other pages. The links are highlighted for easy recognition and are easily accessed by the click of the mouse. HOW WIDE IS THE WEB? Many agents wonder about the scope of the Web. Here are some of the facts ...

...ortunity. Think of the Web as a worldwide collection of interconnected pages ...94. By the end of 1997, 100 million worldwide were using it, including 62 mill...

... Emily Huling I didn't have to read The Truth About Burnout, by Christina Maslach and Michael P. Leiter, to learn that burnout has reached epidemic propor.. All Articles by CompleteMarkets Editor Comments (0 ) Business Continuity Planning 1 Verified Reviews - 5 of 5.0 1 2 3 4 5 CompleteMarkets Editor 4/30/2013 12:00:00 AM Each year potential hazards threaten the business community worldwide. Earthquakes, hurricanes, floods, fires, and other disruptive events represent a continuous problem throughout the business community. Many of these threats result in significant exposure to large and small businesses. When business operations are disrupted, companies suffer both tangible and intangible losses. All Articles by CompleteMarkets Editor Comments (0 ) Customer Loyalty And Retention Primer This content has not been rated yet. Lynn Thomas ... of agent activity that define the effectiveness of.. All Articles by Al Diamond Comments (0 ) Build Customer Confidence And Loyalty For The Long Term This content has not been rated yet. CompleteMarkets Editor , Mary Beth Bolen 4/30/2013 12:00:00 AM BUILD CUSTOMER CONFIDENCE AND LOYALTY FOR THE LONG TERM by Mary Beth Bolen Historically, it's been fairly easy to write and renew coverage on an account for one to three years, after which th.. All Articles by CompleteMarkets Editor Comments (0 ) Burned Out? You'Re Not Alone This content has not been rated yet. CompleteMarkets Editor , Emily Huling 4/30/2013 10:36:58 PM BURNED OUT? YOU'RE NOT ALONE by Emily Huling I didn't have to read The Truth About Burnout, by Christina Maslach ...