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Statistics demonstrate 1 out of 7 insurance agents will report an E and O claim in their career. Insurance agents are 4th among professions in legal proceedings filed against them. Only physicians, attorneys and accountants have more (Tillinghast Survey). 

A broker not properly protected by Property And Casualty Insurance Agents Errors And Omissions Insurance risks the possibility of being held fully responsible for the damages if a claim is filed against them. 

Insurance agencies render vital services to clients thru advising them to find and contract proper coverage. Some brokers, though, never contemplate the risk involved with this profession. Advice that you make for coverage, either to buy or decline, can come back as a legal claim where a customer feels that you were mistaken in your guidance. Customers facing a financial loss regarding insurance coverage, or improper coverage, can lodge a lawsuit naming you, endangering your agency,  livelihood and property.

== Reasons For Property And Casualty Insurance Agents Errors And Omissions Insurance ==

Errors and omissions insurance for insurance brokers covers the broker against any allegation, real or perceived, arising from their involvement in the sale or servicing of an insurance product. Property And Casualty Insurance Agents Errors And Omissions Insurance tailored to serve the small individual agents to large agencies delivering insurance coverage. With your coverage you get 24 hour protection against claims as a result of negligent acts, errors or omissions arising during your activities as an individual agent or broker.  Protection is available for you as an agent or broker and includes your non-licensed staff.

“We’re in an increasingly litigious environment,” says Claire Wilkinson, vice president-global issues, at the Insurance Information Institute, in New York. “There’s definitely an uptick in the number of agents buying insurance, in part because of the litigious environment. It’s essential for them to have adequate coverage.”

“At this agency, we wouldn’t think of operating without suitable coverage,” says Jim Armitage, vice president of multi-lines agency Arroyo Insurance Services, in suburban Los Angeles. “In this litigious climate, people sue at the drop of a hat, and you need to have insurance protection.”

“We wouldn’t even dream of doing that,” said Bernstein, vice president of TLB Insurance Services. “The risk is horrendous; it’s hard to believe anybody would operate in the insurance profession without suitable coverage.”

“Even if you could get away with it,” warns Mann of Fireman’s Fund, “it’s not worth it because you would at the very least lose your company appointment. But beyond that, you could lose everything including your house and your business if you get sued and have no E&O protection.”

“Litigation from hurricane, flood and other weather-related claims will clog up insurance company claims offices and courts on a long-term basis. Katrina claim cases will go on for years and years. It’s a flood of litigation, it’s here to stay and it’s only going to get bigger.”

Broker agents without EO insurance stand to lose their homes, their  livelihoods  and their personal possessions.

== Insurance Broker Agents Risk Is Higher Than They Think ==

“Agents need to understand their exposures might be much higher than they think they are. So they should buy as high a limit as they can afford. A $1,000,000 limit isn’t adequate for agents in these litigious times.”

Henderson’s comments are especially true for agents in California, considered the litigation capital of the country. Given the rate of litigation combined with the high valuations of commercial and residential properties, carrying only $1,000,000 in limits is shortsighted, Henderson says. Defense costs alone could run from $100k to $500k depending on the complexity of a case, he noted.

== As A Broker Are You Sufficiently Covered? ==

There are certain steps you need to take in dealing with your agency. Your career as an agent broker has a lot to do with the care you provide your clients. In the course of carrying out your functions as an agent, you may commit an error or mistake. Your clients may decide to recover damages in court.  If you’re not adequately protected by errors and omissions insurance policy, you may end up bearing the full cost of the litigation process. You can help yourself with errors and Omissions insurance for property and casualty insurance agents. This is a business liability insurance device designed to protect insurance agents from whatever errors, mistakes or omission they may commit while discharging their duties.

Errors and omissions happen in the course of your work as a property and casualty insurance agent. It may happen as a breach of a sales agreement. Anytime an omission happens, a lawsuit may be submitted against you or your agency. When you are properly protected by E and O coverage for property and casualty insurance agents, you’re shielded from funding the entire fees of legal defense for any claim that is submitted against your agency arising from any negligence that occurred or allegedly occurred.

== Inadequate E and O Insurance Protection ==

Gaps in protection are common in E and O policies. Surveys showed that most professionals are lack understanding in what a gap in insurance really is or the dire results. For example several insurance agency owners mistakenly thought because they were not writing policies during specific months, they did not need continuous coverage. 

E and O insurance for insurance agents is professional liability EO insurance specifically designed for the exposure to risk of P&C agents brokers and agencies. 

Insurance agents have very unique risks that increase with the volume of insurance they sell. We understand E and O insurance coverage for insurance agents and analyze your specific situation to ensure there are no flaws in your professional liability insurance coverage. 

We are keenly aware that agencies are attempting to reduce costs without reducing coverage. That’s where we come in. We thoroughly review your business to develop a solution specific for you. This often eliminates purchasing unneeded coverage and replacing it with coverage that you do. 

If you’re a successful broker agent and just bought general coverage, you could be open to more exposure and liability. Have our team review your Errors and Omissions coverage, and we’ll review every angle and help protect you and the business you’ve built. 

Because we have signed a large book of EO insurance for insurance agents, we have favorable working relationships with our underwriters. As your agent, we can often arrange more favorable contract with carriers while providing better E and O insurance coverage solutions. 

Errors & Omissions Insurance Quotes For Brokers

Errors & Omissions Insurance Quotes For Brokers

truetyl:

Statistics demonstrate 1 out of 7 insurance agents will report an E and O claim in their career. Insurance agents are 4th among professions in legal proceedings filed against them. Only physicians, attorneys and accountants have more (Tillinghast Survey). A broker not properly protected by Property And Casualty Insurance Agents Errors And Omissions Insurance risks the possibility of being held fully responsible for the damages if a claim is filed against them. Insurance agencies render vital services to clients thru advising them to find and contract proper coverage. Some brokers, though, never contemplate the risk involved with this profession. Advice that you make for coverage, either to buy or decline, can come back as a legal claim where a customer feels that you were mistaken in your guidance. Customers facing a financial loss regarding insurance coverage, or improper coverage, can lodge a lawsuit naming you, endangering your agency, livelihood and property. == Reasons For Property And Casualty Insurance Agents Errors And Omissions Insurance == Errors and omissions insurance for insurance brokers covers the broker against any allegation, real or perceived, arising from their involvement in the sale or servicing of an insurance product. Property And Casualty Insurance Agents Errors And Omissions Insurance tailored to serve the small individual agents to large agencies delivering insurance coverage. With your coverage you get 24 hour protection against claims as a result of negligent acts, errors or omissions arising during your activities as an individual agent or broker. Protection is available for you as an agent or broker and includes your non-licensed staff. “We’re in an increasingly litigious environment,” says Claire Wilkinson, vice president-global issues, at the Insurance Information Institute, in New York. “There’s definitely an uptick in the number of agents buying insurance, in part because of the litigious environment. It’s essential for them to have adequate coverage.” “At this agency, we wouldn’t think of operating without suitable coverage,” says Jim Armitage, vice president of multi-lines agency Arroyo Insurance Services, in suburban Los Angeles. “In this litigious climate, people sue at the drop of a hat, and you need to have insurance protection.” “We wouldn’t even dream of doing that,” said Bernstein, vice president of TLB Insurance Services. “The risk is horrendous; it’s hard to believe anybody would operate in the insurance profession without suitable coverage.” “Even if you could get away with it,” warns Mann of Fireman’s Fund, “it’s not worth it because you would at the very least lose your company appointment. But beyond that, you could lose everything including your house and your business if you get sued and have no E&O protection.” “Litigation from hurricane, flood and other weather-related claims will clog up insurance company claims offices and courts on a long-term basis. Katrina claim cases will go on for years and years. It’s a flood of litigation, it’s here to stay and it’s only going to get bigger.” Broker agents without EO insurance stand to lose their homes, their livelihoods and their personal possessions. == Insurance Broker Agents Risk Is Higher Than They Think == “Agents need to understand their exposures might be much higher than they think they are. So they should buy as high a limit as they can afford. A $1,000,000 limit isn’t adequate for agents in these litigious times.” Henderson’s comments are especially true for agents in California, considered the litigation capital of the country. Given the rate of litigation combined with the high valuations of commercial and residential properties, carrying only $1,000,000 in limits is shortsighted, Henderson says. Defense costs alone could run from $100k to $500k depending on the complexity of a case, he noted. == As A Broker Are You Sufficiently Covered? == There are certain steps you need to take in dealing with your agency. Your career as an agent broker has a lot to do with the care you provide your clients. In the course of carrying out your functions as an agent, you may commit an error or mistake. Your clients may decide to recover damages in court. If you’re not adequately protected by errors and omissions insurance policy, you may end up bearing the full cost of the litigation process. You can help yourself with errors and Omissions insurance for property and casualty insurance agents. This is a business liability insurance device designed to protect insurance agents from whatever errors, mistakes or omission they may commit while discharging their duties. Errors and omissions happen in the course of your work as a property and casualty insurance agent. It may happen as a breach of a sales agreement. Anytime an omission happens, a lawsuit may be submitted against you or your agency. When you are properly protected by E and O coverage for property and casualty insurance agents, you’re shielded from funding the entire fees of legal defense for any claim that is submitted against your agency arising from any negligence that occurred or allegedly occurred. == Inadequate E and O Insurance Protection == Gaps in protection are common in E and O policies. Surveys showed that most professionals are lack understanding in what a gap in insurance really is or the dire results. For example several insurance agency owners mistakenly thought because they were not writing policies during specific months, they did not need continuous coverage. E and O insurance for insurance agents is professional liability EO insurance specifically designed for the exposure to risk of P&C agents brokers and agencies. Insurance agents have very unique risks that increase with the volume of insurance they sell. We understand E and O insurance coverage for insurance agents and analyze your specific situation to ensure there are no flaws in your professional liability insurance coverage. We are keenly aware that agencies are attempting to reduce costs without reducing coverage. That’s where we come in. We thoroughly review your business to develop a solution specific for you. This often eliminates purchasing unneeded coverage and replacing it with coverage that you do. If you’re a successful broker agent and just bought general coverage, you could be open to more exposure and liability. Have our team review your Errors and Omissions coverage, and we’ll review every angle and help protect you and the business you’ve built. Because we have signed a large book of EO insurance for insurance agents, we have favorable working relationships with our underwriters. As your agent, we can often arrange more favorable contract with carriers while providing better E and O insurance coverage solutions. Errors & Omissions Insurance Quotes For Brokers Errors & Omissions Insurance Quotes For Brokers

“Windows 8 sucks” a complaint that I hear frequently from my clients. Okay, so it is not a complaint as much as it is a statement. The fact of the matter is that Microsoft changed the Operating System so much that users are lost in it. Microsoft started Windows 8 as an Operating System for tablets and phones to compete with Android and iOS. If they would have stopped there I think they would have been very successful. On a phone an don a tablets windows 8 is very cool. On the convertible laptops Windows 8 is okay also, but it has no place on a desktop or non touch screen laptop. In a year or so I think every one will be speaking of Windows 8 the way they speak about Vista. So Microsoft has heard the complaints and they are trying to fix them, one of the biggest complaints everyone has is no start button, and with Windows Blue Continue ReadingThe post Start button coming back with Windows “Blue” Update appeared first on Computer Repair West Palm Beach Gardens .

“Windows 8 sucks” a complaint that I hear frequently from my clients. Okay, so it is not a complaint as much as it is a statement. The fact of the matter is that Microsoft changed the Operating System so much that users are lost in it. Microsoft started Windows 8 as an Operating System for tablets and phones to compete with Android and iOS. If they would have stopped there I think they would have been very successful. On a phone an don a tablets windows 8 is very cool. On the convertible laptops Windows 8 is okay also, but it has no place on a desktop or non touch screen laptop. In a year or so I think every one will be speaking of Windows 8 the way they speak about Vista. So Microsoft has heard the complaints and they are trying to fix them, one of the biggest complaints everyone has is no start button, and with Windows Blue Continue Reading

The post Start button coming back with Windows “Blue” Update appeared first on Computer Repair West Palm Beach Gardens .

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Urban Thrill

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Urban Thrill

Urban Thrill is a free online running game which takes you across the globe, taking risks and making decisions to determine your final score. Glide your way through the urban sprawl of London, the gleaming skyscrapers of Rio de Janeiro, the underbelly of downtown New York and six more international locations, picking up kites as you go to become the ultimate free running powerhouse.


PLAY: Urban Thrill
It’s a geeky Hi-Tech LED Light Show Cube !
A mesmerizing light display using 64 RGB LEDs. The show runs for over 30 minutes without repeating a solitary pattern! Each one of the 64 LEDs will produce over one thousand colors of brilliant light for a hypnotizing LED light show that you will never forget, unless of course you’re hypnotized! The LED Light Show Cube is one of those mesmerizing and calming light shows that helps place you in a tranquil condition of mind. Whether you had a hard day at work, or just in the mood to relax into a tranquil condition of zen, within minutes your body will fall into a pleasant condition of being. If it’s action you want, just change your music to something a bit more upbeat and instantly you will awaken with the LED cube designs filling your mind and body with the energy you need to get heading !

It’s a geeky Hi-Tech LED Light Show Cube ! A mesmerizing light display using 64 RGB LEDs. The show runs for over 30 minutes without repeating a solitary pattern! Each one of the 64 LEDs will produce over one thousand colors of brilliant light for a hypnotizing LED light show that you will never forget, unless of course you’re hypnotized! The LED Light Show Cube is one of those mesmerizing and calming light shows that helps place you in a tranquil condition of mind. Whether you had a hard day at work, or just in the mood to relax into a tranquil condition of zen, within minutes your body will fall into a pleasant condition of being. If it’s action you want, just change your music to something a bit more upbeat and instantly you will awaken with the LED cube designs filling your mind and body with the energy you need to get heading !