E&O Weekly Prevention
Strategies for the Professional Agent
September 19, 2013

Agents of America

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Letter From  the Publisher

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 TIP on "Do your applications meet the 3 C's - Complete, Current and Correct".

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 interview regarding the McKinsey Report on his "Monday Morning Call" on "Moving from Broker to Consultant"

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, "Targeting Your SEO Landing Pages" for download.


"Bringing the Best Together"

Angelo J Gioia


AOA News, Views, Tips & More

Health Care Reform Part 2



Last month's article dealt with the opportunities and options employers with less than 50 employees have under Obama Care. This month will deal with employers having fifty and above employees. This area of the law is under almost daily change and anything written now will undoubtedly change in the months ahead but at least a framework to use will be presented.


Cleveland Indians Sue Insurance Broker following Wrongful Death Claim

By Lila M. McKinley, Esq. and Joanna J. Romero, Esq. of Goldberg Segalla LLP


It is generally understood that an insurance broker may be held liable for failing to obtain requisite insurance for the insured.  But, there is plenty of room for debate when the broker fails to obtain coverage for a third-party; i.e. an additional insured.  This issue was put to the test by the Cleveland Indians following the death of one of its patrons attending pre-game activities. According to the Sixth Circuit, the team stated a valid claim.


The Complexity of Obamacare

By Aaron Peterson of CenterPointe Solutions Inc.


Health Care Alert


The October 1st Deadline is fast approaching - Employers need to notify all employees of employer health coverage options


E&O Loss Prevention Tip


Description of Claim:


Classification of employees - Employee vs. Independent Contractors


Allegations against the Agent: The agency was asked by its client, a large trucking company to procure a complete commercial package policy, including but not limited to general liability, cargo, premises liability and company trucks. At the time the policy was initially written, the client hired independent truckers to haul their products. 


LinkedIn Beats Twitter and Facebook in B2B Conversions

By Steven Miltonberg, Co-Founder/CEO of iLikeUs Marketing


Among three leading social networking platforms-LinkedIn, Twitter, andFacebook-LinkedIn is the most effective source of leads for B2B companies, according to data from HubSpot.


In a study of 3,128 HubSpot B2B customers in 2011, LinkedIn generated a visitor-to-lead conversion rate of 2.60%, on average.


Are the Federal Courts Starting a Trend To Preclude Experts on Bad Faith Issues?     

By Brent A. Green, Esq. of Marshall Dennehey Warner Coleman & Goggin, P.C.


Key Points:

  • In federal courts, juries often determine allegations of bad faith.
  • Recently, two decisions granted motions to preclude the plaintiffs' experts who were critical of the claims handling.
There is the potential for "bad faith experts" to usurp the jury's fact-finding role. 
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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