E&O Weekly Prevention
Strategies for the Professional Agent
November 14, 2013

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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 "How Loud are Your Customers Complaining?". 

AgentsofAmerica.Org Announces Strategic Partnership with Supportive Insurance Services


AgentsofAmerica.ORG announces it has formed a strategic partnership with Supportive Insurance Services LLC, a nationwide leading provider of licensing services to agents, agencies, adjusters, adjuster firms and insurance companies. Click here to read the Press Release. 



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 on "Social Networking that REALLY Works". To see this week's presentation click here. To see this week's presentation clickhere. Also please download the "Free Workbook" as a way to actively participate and follow along in this 3-part-series. This workbook will provide tips, exercises and instructions you will find helpful along your digital marketing journey.  Not only will it make listening easier, but you'll be able to organize your thoughts, engage your team and have specific next steps for moving into action!


AgentsofAmerica.ORG membership 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

Misappropriation of Image Claims Not Covered Under Professional Liability Policy as They Related to Wrongful Acts Alleged Prior to Policy's Inception

By Devin C. Maddox, Esq. of Tressler LLP


Claims against a psychic telephone hotline company for misappropriation of image and invasion of privacy were found to fall outside a professional liability policy's scope of coverage because the claims arose from the same common facts, circumstances, transactions, events and/or decisions alleged in a prior lawsuit filed before the policy's inception. The Zodiac Group, Inc., et al. v. Axis Surplus Ins. Co., 2013 U.S. App. LEXIS 21370 (11th Cir. October 22, 2013).


OSHA's HazCom Rule and Personal Injury Suits          By Matthew R. Shindell, Esq. of Goldberg Segalla LLP


Last year, the Occupational Safety & Health Administration (OSHA) published a rule that modified its Hazard Communication (HazCom) requirements governing how chemical manufacturers, employers, and other organizations convey hazard information to employees. Previously, companies had some discretion over the appearance and wording of these labels. 


E&O Loss Prevention Tip

Description of Claim:




Allegations against the Agent: An insurance agent sold a homeowners policy to his customer and informed the customer that the homeowners policy selected would cover the property and its contents. A few months later, a fire destroyed a portion of the home, causing damage to all the home's bedrooms, closets and bathrooms. 


Greg Arnold on the use of Professional Employer Organizations

By Greg Arnold CEO of Jackhammer HR


Every few years, I refresh the discussion on PEO (employee leasing) as a workers compensation insurance product for contractors. In my 12 years as a PEO broker, I have seen the cycle of workers compensation rates trend from high to low, and now everyone will agree that rates are on their way back up again, and will be for the foreseeable future. No one gets hit harder than contractors when these rates go up. 


Data Breach Lawsuit Against LinkedIn is Dismissed for Lack of Standing                                      

By Eric A. Packel, Esq. Marshall Dennehey Warner Coleman & Goggin, P.C.


re LinkedIn User Privacy Litig., 2013 U.S. Dist. LEXIS 31131 (N.D. Cal., 3/6/13)


After a hacker obtained 6.5 million passwords and email addresses from LinkedIn (the professional networking site), two of its users brought a putative class action claiming that LinkedIn had misrepresented its level of security. However, the plaintiffs ran into a threshold problem seen in many data breach cases: Article III standing.


4 Quick Tips to Make Your Annual Goal Quickly        

By Mark Hunter, "The Sales Hunter"


With less than two months left in the year. How confident are you in making your annual goal?


It's not too late, no matter where you currently stand. The worst thing you can do is pack it in and blow off the rest of the year.

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