E&O Prevention
Strategies for the Professional Agent
September 22, 2016 

AOA News, Views, Tips & More
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AgentsofAmerica.ORG  mission is " Bringing the Best Together" we are committed to selecting and delivering highest level of content dealing with both topical issues and subject matter, including offering products, information and services that will not only save you time but also create more revenue opportunities. We are an organization dedicated to the personal and professional growth of insurance agents.  The key to your success and "Avoiding E&O Claims" is understanding what is important to you and more importantly understanding protecting and enhancing your three most important assets: Agency Reputation, Client Base, and Staff

Thru our partnership, alliances and affiliations with the industry leading experts and providers, AOA has become one of the nation's leading resources for connecting agents with industry professionals, highly relevant news, agency revenue building products, risk management & loss prevention services, career opportunities and continuing education.  For more tips, news, views and resources for your insurance agency, visit   Agents of America  and subscribe to our newsletter.

Back By Popular Demand Workplace Violence Prevention Seminar October 5, 2016 

Kathleen M. Bonczyk, MBA, Esq, founder of the Workplace Violence Prevention institute announces a free live seminar intended to minimize the risk of bullying, harassment, assaults and other forms of workplace violence.
Date : October 5, 2016
Time : 10:00 A.M. - 4:00 P.M.
Where : 220 Willingboro Parkway, Willingboro, NJ 08046
For complete details and bios of speakers,
  CLICK HERE, Also available "The Killer in the Next Cubicle: The Growing Epidemic of Workplace Violence and Three Ways to Minimize Risk"
2016 Cyberthreat Defense Report: 
Take a deep dive into survey data and findings, learn about the evolution of cyberthreats, and find out how you can prepare for cyberattacks in 2016.

Based on a rigorous survey of IT security decision makers and practitioners - across not only North America and Europe, but for the first time, in Asia Pacific and Latin America as well - the Cyberthreat Defense Report examines the current and planned deployment of countermeasures against the backdrop of numerous perceptions, such as:
  • The adequacy of existing cybersecurity investments, both overall and within specific domains of IT
  • The likelihood of being compromised by a successful cyberattack 
  • The types of cyberthreats that pose the greatest risk to the organization
  • The organizational factors that present the most significant barriers to establishing effective cyberthreat defenses 
  • The operational, tactical, and strategic value that individual security technologies provide  CLICK HERE
Why Detection is the New Prevention

To reap the full benefits of threat intelligence, organizations should have a solution that provides unique and in-depth contextual understanding about threats, threat actors, advancing threat vectors, and more. Read this white paper to discover how you can deliver on the promise of real threat intelligence and review seven key features every solution should have, including:
  • eCrime intelligence
  • Access to research analysts and investigate services
  • Compromised credentials CLICK HERE 

cyber insurance news banner

D&O Coverage in a Cyber World
By Daniel J. Healy, Esq. of Anderson Kill P.C. 

It has become clear that the fallout for improperly managing corporate cyber risks reaches the boardroom. In the wake of data breaches, shareholders have filed derivative suits, regulators have initiated enforcement proceedings, and management has been forced to defend their cyber-risk protocols.  Read More

Is Your Website ADA Compliant? - A New Cyber Risk
By Rinat B. Klier Erlich, Esq. of Manning of Manning & Kass, Ellrod, Ramirez, Trester LLP

The purpose of the Americans with Disabilities Act (ADA), enacted in 1992, is to assure equal access and services to disabled individuals. The ADA makes it unlawful to discriminate against people with disabilities. Title III of the Act prohibits entities that own, lease, or operate a place of public accommodation from discriminating against the disabled .   Read More
The Killer in the Next Cubicle: The Growing Epidemic of Workplace Violence and Three Ways to Minimize Risk
By Kathleen M. Bonczyk, MBA, Esq. - founder of the Workplace Violence Prevention Institute

In the six-month period from August 2015 through February 2016, three catastrophic episodes of deadly workplace violence occurred on the east coast, the west coast and in America's heartland.  Read More
By Kristen Peters, Esq. of Seyfarth Shaw LLP

Companies work hard to hire trustworthy employees, but employee theft can occur in any business. Employee theft takes different shapes-you may discover an employee is stealing products, supplies, confidential information or money from the company; an employee may steal more surreptitiously by padding time on a time sheet; or an employee may intentionally fail to enter vacation time taken in order to get paid for that time when they quit.   Read More
Post At Your Own Risk
By Maureen Kelly, Esq. of Marshall Dennehey Warner Coleman & Goggin, P.C.

We live in a world consumed by social media. Whether it be blogs, tweets, posts, snaps, links, podcasts, photographs, videos, pins, flicks, tumbles or tags, almost everyone has a social media presence. Shockingly, more than 25% of users do not bother with any kind of privacy control. What results could be a defense attorney's dream: discovering a plaintiff's post that bears directly on an issue in the case and reflects negatively on the plaintiff.  Read More

By Evan H. Pontz, Esq. of Troutman Sanders LLP

If you are an HR professional, you surely worry about workplace violence.  Whether it is an "active shooter" at work or just an argument that turns physical between two employees, the concern about workplace violence and the harm it can cause - both to those directly involved and everyone else who works there - is quite real and undoubtedly scary.  Read More

Led Zeppelin Prevails in Copyright Infringement Case: Now on Appeal in Ninth Circuit
By Lamis G. Eli, Esq. of Wilson Elser

In May 2014, the Trust acting on behalf of the estate of Randy Wolfe (a/k/a Randy California) of the rock group Spirit filed a copyright infringement suit against Led Zeppelin related to the first chords in the band's most famous song, "Stairway to Heaven." See Skidmore v. Led Zeppelin, 15-cv-03462, U.S. District Court, Central District of California (Los Angeles).  Read More

No, No, No: No Accident, No Property Damage, No Duty to Defend Under Illinois Law
By Laura J. Irk, Esq. and Jonathan L. Schwartz, Esq. of Goldberg Segalla

Westfield Insurance Co. v. West Van Buren, LLC, et al., 2016 IL App (1st) 140862 represents a continuation of Illinois law in the context of an insurer's duty to defend construction defect claims. As articulated in Westfield, accidental events are required to trigger a duty to defend and shoddy workmanship does not constitute property damage.  Read More

Taking Steps To Maintain Client Confidences
By Randy (J. Randolph) Evans, Esq., Shari L. Klevens, Esq. and Alanna Clair, Esq. of Dentons
Attorneys learn client confidences as part of the attorney-client relationship. Attorneys who fail to safeguard such information do so at their own peril, as the consequences for the improper disclosure of confidential information can be severe.  Read More

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
Demotech, Inc.
Since 1985, Demotech, Inc. has served the insurance industry by assigning accurate, reliable and proven Financial Stability RatingsĀ® (FSRs) for Property & Casualty insurers and Title underwriters. FSRs are a leading indicator of financial stability, providing an objective baseline of the future solvency of an insurer.  You can search the most current FSRs Here Also check out their new videos Consumer Reference on Insurer Financial Analysis and Thoughts on Insurer Financial Analysis
Announcing Cyber Insurance News

Cyber Insurance News is the industry's new meeting place for cyber insurance professionals.  It is a leading resource for Cyber Insurance and Security for cyber risk news and information. A meeting place for insurers, insurance producers, defense counsel, and security consultants to meet and be able to share their products, company information and use as a medium to engage their clients. For more information  CLICK HERE

Crittenden Inside Insurance Report
Crittenden's Inside Insurance Report offers readers vital analysis of commercial insurance including the excess and surplus, medical professional liability, and main street markets. This report provides readers with in-depth, behind-the-scene information on specific programs and segments, pertinent financial information, and predictions of market trends and carriers' actions. Inside Insurance is an invaluable resource for producers who want details on which carriers are actively writing coverage, their target markets and underwriting details. With our service you can effortlessly build leads and relationship while remaining abreast of the market and the competition. For additional information  CLICK HERE  or call (800) 421-3483

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.  

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.

This edition reflects all of the pertinent changes in the surplus lines laws and regulations of the 50 states and U.S. territories during the past year. We sincerely trust you will find this manual to be a valuable desk reference and if you have any questions regarding the contents, please contact John P. Dearie, Jr., Esq. Editor and Partner at Locke Lord LLP at  jack.dearie@lockelord.com  or (212) 912-2737

Ernst & Young
The 2016 Sensor Data Survey "Disrupt or be disrupted"
Ernst & Young surveyed senior executives from nearly 400 insurers around the globe, the survey addressed both current practices and plans for tomorrow. The results make clear that forward-looking and top-performing insurance organizations are already innovating with telematics, wearable technology and sensor data, though not to the extent of leaders from other sectors. Why is sensor data so important to insurers in particular? On the strategic front, it presents a clear and compelling opportunity to reengineer the fundamental value proposition through transformative product innovation to benefit customers and shareholders. CLICK HERE  

Regulatory Top Regulatory Trends For 2016 In Insurance 
This publication is part of the Deloitte Center for Regulatory Strategies cross-industry series on the year's top regulatory trends. This annual series provides a forward look at some of the regulatory issues we anticipate will have a significant impact on the market and our clients businesses in the year ahead. CLICK HERE

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