E&O Weekly Prevention
Strategies for the Professional Agent
October 7, 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 "Educate Your Customers". 

CLE with Thomson Reuters, Britton Weimer, Esq., author of Chapter 12, "A Comprehensive Guide to Avoiding E&O Claims" is doing a webcast on October 24:  "Managing Indemnity Claims Between Insurers and Agents". Get an overview of the legal standards for indemnity between agents and insurers, as well as practical tips on resolving these important claims.


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".


MONDAY MORNING, the weekly "mini-webinar" features industry leaders interviewed by marketing guru George Nordhaus. To see this week's presentation click here. 


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

Is There Insurance Coverage for Losses Stemming from Government Shutdown or Default?

By Mark Garbowski, Esq. of Anderson Kill P.C.


At the time of this writing, the federal government is in a partial shutdown. Essential functions are operating, but certain areas such as national parks are completely closed. While this partial shutdown does not threaten the validity of federal debt, some fear that a similar impasse regarding the debt ceiling could trigger a partial or full federal default. 


Understanding Obamacare

By Aaron Peterson, Editor Agents Advantage


As part of the Affordable Care Act individual mandate, U.S. citizens and legal residents will be required to have qualifying health coverage starting in 2014. Those who do not have insurance through their employer or through Medicaid or Medicare will have the option to go to a new marketplace in their state to enroll in a private healthcare plan. Open enrollment in the exchanges will last from Oct. 1, 2013, through March 31, 2014; coverage will begin as early as Jan. 1, 2014.


Government Shutdown - Now What?

By Kevin Lashus, Esq, of Jackson Lewis LLP


The failure of Congress to agree on a new budget for the Fiscal Year (beginning October 1) is resulting in a furlough of more than 800,000 federal workers and government agencies temporarily closing or cutting back the operations of numerous federal facilities and the suspension of many services. This is the first government shutdown in 17 years.


D&O - Scope of Contractual Liability Exclusion - Alabama Federal Court Rules in Favor of Insurer

By Joseph P. Monteleone, Esq. of Tressler LLP


The U.S. District Court for the Middle District of Alabama recently upheld a contractual liability exclusion in a private company D&O policy issued to a non-governmental agency in the City of Montgomery. Landmark Amer. Ins. Co. v. The Industrial Development Bd. of the City of Montgomery, No. 13-cv-230, (M.D. Ala., Decided September 9, 2013). [See here for a link to the decision].

By Cynthia Cavoto of "Fire Brands Social Media

Twitter is a very powerful network and is the perfect platform to build your target audience quickly. However, since Twitter is an open network, there can be a lot of "noise" within your feeds. A great way to "lower that noise" is to group those you are following into lists.

Best Strategies in Defending Employment Retaliation Claims in New Jersey

By Thomas Paschos, Esq. of Thomas Paschos & Associates, P.C.




New Jersey Law Against Discrimination (LAD)

The Law Against Discrimination(LAD) has a specific subsection addressing employer retaliation against employees for engaging in "protected" activity.[i] 

By Mark Hunter "The Sales Hunter"


Voicemail is a tool you can use in prospecting.


Key is to leave a voicemail that reflects you in a positive manner.


This does not mean you leave a message about how great you are. Instead, you leave a message that offers the other person something of value.   
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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