E&O Weekly Prevention
Strategies for the Professional Agent
July 18, 2013

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E&O Tips of the Week 
Each week AOA thru the Learning Center will be providing 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 "Moving Coverage From One Carrier To Another"


Agents of America.ORG Announces Workplace Mental Health Application


Agents of America.ORG is proud to announce the launching of the Encompass Workplace Mental Health App, the first workplace mental health App for android devices. The Encompass Workplace Mental Health App is an essential tool for every employer, manager, supervisor, human resource professional and employee representative to mitigate the complex, costly and often tragic consequences of depression, anxiety and bipolar disorders in the workplace. To download the Workplace Mental Health Application click here.





The KPMG survey was conducted in Spring 2013 and reflects the responses of 101 senior executives in the insurance industry.  Based on revenue in the most recent fiscal year, 33 percent of respondents work for institutions with annual revenues exceeding $10 billion, 40 percent with annual revenues in the $1 billion to $10 billion range, and 27 percent with revenues in the $100 million to $1 billion range. Survey responses were received more than 3 months prior to the release of the 2013 IASB and FASB exposure drafts.
Download a complete copy of the report by clicking here.

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 Your Agency Will Change in 2013-2020."


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, "Google Adwords Remarketing Campaign" for download.


"Bringing the Best Together"

Angelo J Gioia


AOA News, Views, Tips & More
By Marc Zimet, Esq.


Court of Appeals Clarifies the Broker-Insurer Agency Relationship & Holds Insurers Are Not Liable For Insured's Failure to Comply With Terms of Policy

On May 31, 2013, the Court of Appeals ruled that insurance brokers may not act on behalf of an insurer, nor are they liable to an insured for its failure to comply with policy conditions


Tax Law Changes and Mid-Year Tax Planning for 2013

By John T. Grebe, CPA, CFP of Grebe & Associates, P.C.

Midyear tax planning is important to ensure you are not left with a large tax burden when filing your 2013 tax returns.

There are significant tax law changes that may affect you as a result of the roll-out of two legislative initiatives: 1) The American Taxpayer Relief Act of 2012 passed on January 2, 2013; and 2) The Patient Protection and Affordable Care Act (PPACA) of 2010 also known as Obamacare. 

By Jackson Lewis LLP
The Patient Protection and Affordable Care Act ("PPACA") added Sections 4375-4377 to the Internal Revenue Code ("Code") to require certain issuers of health insurance policies and employers sponsoring self-funded health plans to pay a fee to fund the Patient-Centered Outcomes Research Institute that was established under PPACA ("PCORI Fee").


Don't say we didn't warn you. Last month we discussed the first suit filed by unpaid interns against their "employers" under the Fair Labor Standards Act.  Channeling our inner Miss Cleo, we suggested at the time that the decision in Glatt v. Fox Searchlight Pictures, Inc., would have far-ranging implications on the EPL community. 

Dog Bite Liability What Did the Landlord Know and When Did He Know It? 

By John R. Nealon, Esq. of Marshall Dennehey Warner Coleman & Goggin, P.C.


Key Points:

  • Landlords may be found liable for injuries inflicted by a tenant's dog.
  • Key to any defense of a landlord from a dog-bite claim is the landlord's prior knowledge, if any, of the dog's violent propensities.
By Mark Hunter 

Too many times we overthink what would be a really good question to ask when oftentimes the best questions to ask are the simplest ones.


Think about these questions, Why? How Come? Can you explain more? Each one is simple and yet designed to do one thing get the customer to share more information.mplist ones.


Best Strategies in Defending Wage and Hour Claims Actions in Pennsylvania 

By Thomas Paschos, Esq. 

Pennsylvania wage and hour claims are governed by the Pennsylvania Minimum Wage Act of 1968 (PMWA)1 and Wage Payment and Collection Law (WPCL)2 . The PMWA and WPCL are enforced by the Pennsylvania Department of Labor and Industry or through private lawsuits. Pennsylvania's wage and hour laws apply to all individuals who are employees of an employer. Independent contractors are not covered.

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This newsletter is produced in conjunction with Agents of America, www.agentsofamerica.org. The contents of which may not be reproduced without the express written permission of Agents of America. Copyright 2013