E&O Weekly Prevention
Strategies for the Professional Agent
June 27, 2013

Agents of America

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Letter From  the Publisher
E&O Tips of the Week 
AOA Learning Center announced their plans to provide weekly E&O tips. These E&O tips will be developed from AOA's extensive library of high level educational material and will be included as part of the webinar / seminar package currently in development, that both agents and carriers will find beneficial in reducing E&O Claims. 
Check out this week's E&O TIPS on "Get Sign Off On Coverage Not Desired"


A review of the top stories on World Risk & Insurance News at WRIN.tv. Here is your opportunity to see the online video news stories you may have missed. Watch them now "Week in Review".


Also listen to Insurance Marketing Expert George Nordhaus "Monday Morning" on "How the GEICO Effect is affecting you?"


Professional Liability Defense Federation
Will be holding their Annual Meeting October 9-11 in Chicago at the Westin on Michigan Avenue. For additional information including registration go to


On Sale Now... "A Comprehensive Guide to Avoiding E&O Claim - Book One"!

 "A Comprehensive Guide to Avoiding E&O Claims" addresses issues that Insurance Agents & Brokers encounter every day. One of the most important assets an agent has is their reputation; it takes years to build a business and only one mistake to ruin it. "Book One" is a practicable guide and resource that every Insurance Agency should read and use as an effective risk management tool. "Book One" is now available on Barnes & Noble and on AmazonBefore you buy listen to Dan Meyer, attorney at O'Hagan LLC interview on "Insurance Producer Licensing," on Wrin.tv


AOA Learning Center is pleased to announce the next stage in their commitment to the development of insurance education programs. Through their extensive library of high level educational material, the AOA Learning Center is expanding their platform and will be developing series of webinars / seminars, weekly E&O tips and customize Newsletters for both Insurance Companies and Professional Organizations. In addition, thru our partnership with Web CE, AOA plans to convert the content from each of their first three publications into continuing education programs beginning the fourth quarter of 2013. 


AgentsofAmerica.ORG has partnered with WebCE, a leading nationwide provider of Continuing Education for insurance professionals, to provide you with state-approved self-study CE courses to satisfy your CE requirements online! Check out your CE State Requirements. Also check out, this month's Social Media eBook entitled, "YouTube Insights for Audience" for download.


Also available is our most recent edition of "AOA Tips, Views, News & More," including our new feature "Insurance Resources." & "Recommended Reading".  Remember that membership in AgentsofAmerica.ORG is FREE! Also if you have any thoughts, comments or suggestions, please email me at info@agentsofamerica.org



"Bringing the Best Together"

Angelo J Gioia


AOA News, Views, Tips & More

By Joseph Lazzarotti, Esq. of Jackson Lewis LLP

Most breach notification mandates require a notice be provided without unreasonable delay. In some cases, such as under HIPAA, the same standard applies but also with an outside date to provide the notice - 60 days


No Free Labor Interns May Qualify As Employees Under Fair Labor Standards Act

By Jesse D. Rutter, Esq. of Goldberg Segalla LLP


Just because your summer intern does not expect to get paid does not mean that they may not be subject to wage-hour laws.  A recent decision in the United States District Court for the Southern District of New York held that interns, despite not having an expectation of getting paid, may be classified as employees under the Fair Labor Standards Act ("FLSA").


Financial Tip of the Month

By Mike Brady of Brady Financial Group LLC


When hiring a new producer who owns their book make certain both parties fully understand the transaction. You will of course perform the due diligence necessary on the book you are acquiring, ensure the producer does indeed own the business and is not in position where they would violate a non-compete agreement


California and Illinois Appellate Courts Uphold Contractual Statute of Limitations Provision Abrogating Delayed Discovery Rule

By Cassidy E. Chivers, Esq. of Hinshaw & Culbertson LLP

Two recent appellate decisions in California and Illinois confirmed the validity of standard 1997 AIA clauses providing that the statute of limitations for causes of action between the contracting parties shall accrue from the date of substantial completion, thereby abrogating common law and statutory delayed discovery rules that generally set the accrual date at when the plaintiff knew or should have known of facts giving rise to the cause of action


Insurance Coverage Tip

Lauren Tizio of Martin & Company


New Craft Beverage Program


Cincinnati recently introduced a new Craft Beverage Program, which provides Liability, Inland Marine, Property and Crime coverage to eligible risks such as Breweries, Wineries, Distilleries and Restaurants. Liability coverage specifically addresses Product Recall Expense, while Inland Marine coverage is provided for Food & Beverage Transportation and Temperature Change.  


Complexity of Obamacare

By Aaron Peterson of CenterPointe Solutions Inc.


Learn how the Affordable Care Act (ACA) requires insurers to provide coverage for a package of Essential Health Benefits in 10 benefit categories, effective the first plan year on or after Jan. 1, 2014. The requirement applies to all fully insured health plans offered in the small group and individual markets, and includes all product types.

Ethics in the Virtual Office

By Marc Zimet, Esq. of Jampol Zimet LLP


Attorneys who practice out of the "virtual" office are becoming more common. Perhaps it is the overhead costs deterring some from shelling out for a physical address, or the ease with which one can practice entirely online, or maybe a bit of both. 
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