E&O Weekly Prevention
Strategies for the Professional Agent
February 12, 2015
Agents of America


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AOA News, Views, Tips & More

TRIA Reauthorized: Triggers and Retentions Raised

By Carrie Maylor DiCanio of Anderson Kill. P. C.


Recently there was welcome news for policyholders facing terrorism-related risks: President Obama signed into law the Terrorism Risk Insurance Program Reauthorization Act of 2015 (TRIPRA), a bill that extends the Terrorism Risk Insurance Act (TRIA) for six years.


Frequently Asked Questions Regarding Insurance Licensing?

By Barbara Donnar, CEO of Supportive Insurance Services


Let's face it...Insurance licensing can be complicated.  For most people who have licensing responsibilities, it isn't a full time job and can provide real challenges. At Supportive Insurance Services, we receive questions every day from agents and agencies who need help with insurance licensing.  We thought it would be helpful to address some of our most frequently asked questions.


Corporate Hacking and the Financial Services Industry

By Melissa K. Ventrone, Esq. and Carlos Enrique Provencio, Esq. of Wilson Elser etal.


"You're going to be hacked. Have a plan."

- Joe Demarest

Assistant Director, Cyber Division, FBI


Winter Weather

By Tressi L. Cordaro, Esq. of Jackson Lewis P.C.


Stepping outside this week is a biting reminder that winter has arrived. OSHA has updated its website with information about winter hazards and the steps that can be taken to protect employees.  Although there is no specific standard covering winter weather, employees are protected by the Occupational Safety and Health Act (1970) General Duty Clause or Section 5(a)(1), which requires employers to provide employees a workplace free from recognized hazards.  This is a good time for employers to review their cold weather work practices.


Six Myths about Data Privacy and Security that Professional Employer Organizations Should Skip

By Joseph J. Lazzarotti, Esq. and Ted N. Kazaglis. Esq. of Jackson Lewis P.C.


Data breaches and compliance failures threaten company reputation and put individuals' personal identities, finances, and medical information in jeopardy. In the Professional Employer Organization (PEO) industry, where companies providing PEO or other human resource outsourcing services typically work with personal information of their employees as well as that of their customers' employees, persistent myths can inhibit appropriate action. This article debunks some of those myths and encourages companies to take action. 


New Mexico Court Of Appeals Leads The Nation In Approving Medical Marijuana In Workers' Compensation Cases

By Francis X. Wickersham, Esq. of Marshall Dennehey Warner Coleman & Goggin, P.C.


Last month on January 13, 2015, the New Mexico Court of Appeals issued an opinion finding medical marijuana to be reasonable and necessary medical care for a workers' compensation claimant. This opinion follows a decision issued by the same court on May 19, 2014, ruling that medical marijuana was reasonable and necessary.


Gender Stereotyping in the Workplace: Despite Lack of Federal Legislation, Plenty for Employers to Think About

By Caroline J. Berdzik, Esq. and Madeline S. Baio, Esq. of Goldberg Segalla LLP


In "Injustice at Every Turn: A Report of the National Transgender Discrimination Survey," published in 2011, researchers found that harassment and mistreatment at work is a near-universal experience for transgender and gender non-conforming people and that its manifestations and consequences are many. But until recently, there has been no recognized federal statutory prohibition against employment discrimination protecting transgender and gender non-conforming people. 


Difficult Employees Are Not Disabled                                                                                                                    By Alan Jampol, Esq. of Jampol Zimet, LLP

Under the Americans with Disabilities Act (ADA), an increasing number of conditions are considered to be a disability resulting in expanded employee protections. This in turn places responsibility on the employer to ensure disabled employees are accommodated as necessary and that no ADA violations occur. Employers must act with caution or risk legal consequences and liability for failing to properly address a disability. An area that has frequently caused problems for employers are difficult employees who may claim psychological disorders.

Letter From  the Publisher

Protecting Your Reputation


As every Insurance Agent knows, their most important asset is their reputation, it takes years to build and just one mistake to ruin. Understanding the issues is the first steps in avoiding E&O Claims. AOA has created a three book series dealing with 56 different E&O topics and issues agents face every day. Enter promo code
WPD20 at checkout for an additional 20% discount.



Book One - 

A Comprehensive Guide To Avoiding E & O Claims


Book Two - 

E&O Exposures in the Sales Process

Book Three - 

E & O Exposures By Line of Business



Is your Insurance License renewing soon? 

Is your agency licensed in multiple states? Does your agency maintain nonresident licenses?   Do you know when renewals are due? Did you know a resident change requires address changes in the states in which an individual holds licenses? If you need assistance with any of your licensing needs go to the experts Supportive Insurance Services


Do You Need Continuing Education?

Complete your entire State-Required CE Online with WebCE! AOA 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. 


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"Bringing the Best Together"
Angelo J Gioia

"The question isn't who is going to let me; it's who is going to stop me." - Ayn Rand

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