If Your Client is Legally Liable or Negligent, How Does the CGL Respond?

Learn what arises from intentional acts, unintentional acts and contracts Having trouble reading this email? View it as a webpage. How Does the CGL Respond If Your Client is Legally Liable or Negligent? "We will pay those sums that the insured becomes legally obligated to pay as damages because of 'bodily injury' or 'property damage' to which this insurance applies." So begins Coverage Part A of the commercial general liability policy. But how does your client become legally liable? Legal liability is liability imposed by law on the person or entity responsible for the financial injury or damage suffered by another party or individual. Liability, specifically legal liability, can arise from intentional acts, unintentional acts, or contracts (express or implied). Click Here to Register This two-part session: Defines and differentiates "public wrongs" and a "private wrongs" Discusses the various types of "Torts" Details the concept of "Negligence" Defines damages Breaks down causation and ultimate liability Introduces several common and unique legal theories related to degrees of negligence Click Here to Register When you register, you get: Access to the live webinar Video and audio recordings, so you can watch or listen again Question & Answer session with the instructor Audio download of the webcast Presentation slides download Join us this Thursday, August 30 for this one-hour training webinar. (PLUS, all registrants will receive video and audio recordings of the webinar, so you can listen/watch again at your convenience.) Space is limited! Click Here to Reserve Your Spot! Regularly priced at $197.00, just $147 when you register today! (special pricing expires August 29) Have questions or need help? Send an email to webcasts@insurancejournal.com or call Barbara at 800-897-9965 x166. Date: Thursday, August 30 Time: 1:30pm ET / 10:30am PT Duration: 1 Hour Price: Save $50 until August 29! Register today for just $147! Click Here to Register Instructor: Chris Boggs, CPCU, ARM, ALCM, LPCS, AAI, APA, CWCA, CRIS, AINS Director of Education at Insurance Journal's Academy of Insurance More Great Training: SEP 12: Avoiding The Top 5 Mistakes Made When Hiring Producers - Learn ways to correct the most common mistakes agencies make when hiring sales executives. The key is to make your own plan, define what makes a "good" producer, hire and avoid repeating the bad habits of old. SEP 13: Understanding Commercial Property Underwriting and "COPE" (A 2 Part Series) - Learn the importance of each of the four basic data points in the property underwriting process: Construction, Occupancy, Protection and Exposure ("COPE"). SEP 19: Developing Producer Compensation & Agency Perpetuation Plans - Through this course, agency owners, sales managers, and financial officers will begin to see how vital the concept of compensation analysis is to the success of its company. SEP 26: Agency Planning for 2013 - By 2013, the industry is likely to be in the midst of a relatively hard market and simultaneously a soft economy. This combination is rare in the P&C industry. How do you react and take advantage of this? SEP 27: Work Comp Large Deductible Plans - As the Worker Comp market tightens and changes, it is likely larger employers will assess alternative financing mechanisms, such as Large Deductible Plans. Send to a Friend | Contact Us | Subscribe | Unsubscribe | Privacy Policy Insurance Journal 3570 Camino del Rio North, Suite 200 San Diego, CA 92108 (800) 897-9965 Copyright © 2012 by Wells Media Group, Inc.

Weekly Reader Picks: Monday, August 27, 2012

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August 27, 2012 Top 10 for the Past Week 1. Clothes Dryer Fires Cost $35 Million a Year Aug 20, 2012 -- An estimated 2,900 clothes dryer fires in residential buildings are reported to U.S. fire departments each year and cause an estimated $35 million in property losses, according to a new government report. The report by ... 2. Progressive Reaches Settlement in Auto Claim Case Amid Online Protest Aug 17, 2012 -- Progressive Corp. announced Thursday it reached a settlement with the family of Kaitlynn Fisher -- a Progressive policyholder who died in an auto accident when her car was struck by an under-insured driver in Baltimore ... 3. Woman Sues Dallas Cowboys, Claims Bench Burned Buttocks Aug 23, 2012 -- A Texas woman is suing the Dallas Cowboys and owner Jerry Jones, saying her buttocks was severely burned when she sat on a bench outside Cowboys Stadium. In a lawsuit filed recently in Tarrant Count, Jennelle Carrillo ... 4. UPDATE: TS Isaac on Track to Hit Florida; Strengthening Expected Aug 23, 2012 -- The most recent update from the National Hurricane Center in Miami (5:00 a.m. AST) located the center of tropical storm Isaac southwest of Puerto Rico. The NHC said the storm is "moving toward the west near 12 mph, 19 ... 5. Mississippi Woman Alleged to Be Habitual ‘Slip and Fall’ Claimant Aug 21, 2012 -- A Southaven, Mississippi woman has been arrested for fraud and charged as a habitual offender. Authorities accuse her of faking a fall at the Ramada Inn in Horn Lake to collect insurance money. The Mississippi attorney ... 6. USI to Acquire TD Bank’s U.S. Insurance Subsidiary Aug 23, 2012 -- USI Insurance Services, a brokerage and financial service firm based in Briarcliff Manor, N.Y., has agreed to acquire TD Insurance Inc., a wholly-owned U.S. subsidiary of TD Bank, N.A. The terms of the deal were not ... 7. Historical U.S. Hurricanes: What If They Struck Today? Aug 21, 2012 -- There have been 28 storms in U.S. history since 1900 which if they were happen today would each cause $10 billion or more in insured losses. Hurricane Andrew, which struck Florida 20 years ago this week, would be three ... 8. Travelers Sues NFL Over Ex-Players’ Brain Injury Lawsuits Aug 22, 2012 -- Several subsidiaries of Travelers Companies Inc. sued the National Football League and a host of other insurers, seeking to avoid paying to defend the league against a wave of brain injury-related claims by thousands of ... 9. 'Hole-in-Won' Golf Tourney Insurer Charged With Not Paying Up Aug 24, 2012 -- A Connecticut businessman who specializes in insurance for golf tournament hole-in-one prizes has been charged in Washington with multiple felonies after repeatedly failing to pay up. Kevin Kolenda, of Norwalk, Conn., ... 10. Hard Market Generates New E&O Challenges for Insurance Agents Aug 22, 2012 -- The soft market has made the job of insurance agents very difficult the last few years. Competition has been extremely fierce, and premiums so low that agents have had to fight for business and write more accounts just ... Subscriber Tools Send this to a friend Subscribe Unsubscribe Submit News Contact Us More Newsletters Choose Newsletters Daily Headlines Weekly Reader Picks Magazine Update Insurance Journal TV Classifieds Breaking News MyNewMarkets Daily Claims Daily Enter Your E-mail

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Three Options - No Waiting

Choose from three popular series about Construction Bonds, Green Risk, and Succession Planning Is this email not displaying correctly? View it in your browser. Immediately available! Best price EVER on these three series! Register and begin watching now or wait until later! Its your choice (and you have three series to choose from)! Green Risk Boot Camp "Green" buildings are becoming mainstream; the challenge for the insurance industry is being properly prepared for these unique risks. This six-hour, four-part series is the first of its kind. Part 1: Green Building - What they are and What they do Part 2: Green Building Rating Programs Part 3: Green Risk Endorsements Part 4: Green Risks - Challenges and Opportunities Facing Insurers Only $234 Choose this Series Succession Planning What is required to be a successful and effective leader? Explore the answer in this five-part series. Part 1: Maximizing Your Impact - The Art of Influencing Others Part 2: Building Your Team - Hiring, Training, and Retraining the best People Part 3:The Performance Management Process Part 4: Fearless Feedback - Getting Comfortable with Providing Feedback Part 5: Team Leadership - Motivating and Inspiring Your Team Only $195 Choose this Series Construction Bonds Bonds have a purpose and language all their own. Mastery requires study and this two-part series is a great opportunity. This series introduces, discusses, and details: • Bid bonds, performance bonds, and payment bond. • Major clauses within each of these bond forms using the American Institute of Architects forms as a guide. • The distinctions between first and second tier claimants in performance bonds. • Contractor default, concentrating mainly on financial failures. Only $78 Choose this Series This special pricing is temporary and ends this Friday, August 31. If, for some reason, none of these three educational opportunities fit your need, review all our classes here. Enter the discount code AUGUST and receive 25% off any other class or series you choose. This offer ends Friday, August 31 also. Click here to browse all courses and save 25% with code AUGUST. Academy of Insurance Zero-Risk Guarantee We know you're going to appreciate the value of the training you receive. It's simple. If you're not completely satisfied with the training, just contact us and we'll promptly issue you a full refund.  Follow on Twitter | Friend on Facebook | Connect on LinkedIn | Forward to a friend  Contact Us: Insurance Journal / Academy of Insurance 3570 Camino del Rio N Suite 200 San Diego, CA 92108 Toll Free: (800) 897-9965 x166 Webinar Schedule On-Demand Training Contact Us  unsubscribe from this list | update subscription preferences

The One Thing About Insurance Contracts No One Talks About

Insurance Policy Language is Only the MINIMUM Requirement Having trouble reading this email? View it as a webpage. The Unique Legal Requirements Placed on Insurance Contracts Insurance is subject to the standard law of contracts. AND the insurance contract is also governed by unique provisions and requirements reserved for these contracts. One part of insurance contract law that no one talks about (especially claims adjusters) is that the policy is the minimum that must be done following a loss. The insurance carrier can always do more than what the contract says, just not less. How does the doctrine of reasonable expectations relate to insurance contracts? Click Here to Register In this session, students: Discuss the basic provisions of general contract law Detail the unique legal characteristics within insurance contracts Highlight the concept of "reasonable expectations" how insurance contracts are regulated Touch on the general construction of the insurance contract Click Here to Register When you register, you get: Access to the live webinar Video and audio recordings, so you can watch or listen again Question & Answer session with the instructor Audio download of the webcast Presentation slides download Join us this Thursday, August 23 for this one-hour training webinar. (PLUS, all registrants will receive video and audio recordings of the webinar, so you can listen/watch again at your convenience.) Space is limited! Click Here to Reserve Your Spot! Regularly priced at $129.00, just $89 when you register today! (special pricing expires August 22) Have questions or need help? Send an email to webcasts@insurancejournal.com or call Barbara at 800-897-9965 x166. Date: Thursday, August 23 Time: 1:30pm ET / 10:30am PT Duration: 1 Hour Price: Save $40 until August 22! Register today for just $89! Click Here to Register Instructor: Chris Boggs, CPCU, ARM, ALCM, LPCS, AAI, APA, CWCA, CRIS, AINS Director of Education at Insurance Journal's Academy of Insurance More Great Training: TOMORROW: Secrets of Insuring Restaurants - Restaurants are very tricky businesses to insure. Join Trent and Amy as they help ensure that your restaurant clients are being properly insured. AUG 30: Crimes, Torts, Negligence, Legal Liability and Insurance (2-part series) - Legal liability is liability imposed by law on the person or entity responsible for the financial injury or damage suffered by another party or individual and can arise from intentional acts, unintentional acts or contracts. SEP 12: Avoiding The Top 5 Mistakes Made When Hiring Producers - Learn ways to correct the most common mistakes agencies make when hiring sales executives. The key is to make your own plan, define what makes a "good" producer, hire and avoid repeating the bad habits of old. SEP 13: Understanding Commercial Property Underwriting and "COPE" (A 2 Part Series) - Learn the importance of each of the four basic data points in the property underwriting process: Construction, Occupancy, Protection and Exposure ("COPE"). SEP 19: Developing Producer Compensation & Agency Perpetuation Plans - Through this course, agency owners, sales managers, and financial officers will begin to see how vital the concept of compensation analysis is to the success of its company. Send to a Friend | Contact Us | Subscribe | Unsubscribe | Privacy Policy Insurance Journal 3570 Camino del Rio North, Suite 200 San Diego, CA 92108 (800) 897-9965 Copyright © 2012 by Wells Media Group, Inc.

Weekly Reader Picks: Monday, August 20, 2012

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August 20, 2012 Top 10 for the Past Week 1. N.Y. Man Harnesses Social Media to Protest Against Progressive Aug 15, 2012 -- Progressive Corp. is getting a lot of attention in the social media world this week. But it's clearly not the kind of attention the insurer wants to get. On Monday, a New York-based comedian named Matt Fisher posted a ... 2. Essentials: Do Brokers Have to Offer the Cheapest Coverage? Aug 16, 2012 -- The question of whether insurance brokers are required to obtain the lowest cost insurance that meets the insured's needs was answered recently by the Missouri Supreme Court in the case of Emerson Electric Co. v. ... 3. Employers Stressing Health Incentives for Employees: Aon Aug 8, 2012 -- U.S. employers are increasingly utilizing monetary and other incentives to encourage employees and their families to become active in health and fitness programs and take better care of themselves, according to new ... 4. Africa’s Pirates Have Demands for Insurers – and a Letterhead, Too Aug 13, 2012 -- Welcome to the Pirate Action Group. Pirate commander Jamal wishes to congratulate you on being hijacked. Kindly speak to his negotiator about your ransom, bearing in mind that his demands are similar for every vessel he ... 5. States Ranked by Obesity Rates Aug 15, 2012 -- In 2011, rates of adult obesity in the U.S. remained high, with state estimates ranging from 20.7 percent in Colorado to 34.9 percent in Mississippi, according to the Centers for Disease Control based on 2011 data. No ... 6. Tennessee Discrimination Suit Proceeds Under ‘Cat’s Paw’ Liability Theory Aug 15, 2012 -- A Tennessee civil court is allowing a man to pursue a racial discrimination lawsuit after being reprimanded for his role in a questionable workers' compensation claim filed by another worker. The United States Court ... 7. Progressive Reaches Settlement in Auto Claim Case Amid Online Protest Aug 17, 2012 -- Progressive Corp. announced Thursday it reached a settlement with the family of Kaitlynn Fisher -- a Progressive policyholder who died in an auto accident when her car was struck by an under-insured driver in Baltimore ... 8. Republican VP Pick Ryan Aims to Change Tax Break for Health Insurance Benefits Aug 17, 2012 -- Mitt Romney wants to change the U.S. tax code's treatment of healthcare costs, but his vice presidential pick is one step ahead: Paul Ryan has proposed a plan to scrap a generations-old tax break enjoyed by millions of ... 9. N.Y. Businessman Charged With $10M Insurance Fraud Scheme Aug 14, 2012 -- A businessman who owned fleets of commercial vehicles in New York is accused of defrauding insurers of at least $10 million.The defendant, Scott Sanders, is charged with submitting fraudulent insurance applications to ... 10. El Niño Almost Certain to Arrive In Next 2 Months: U.S. Forecaster Aug 10, 2012 -- The U.S. government forecaster warned on Thursday that the feared El Niño phenomenon, which can affect global weather, is almost certain to occur over the next two months, potentially adding strain to global food ... Popular Videos Agriculture Business Prepared for This Year's Drought Subscriber Tools Send this to a friend Subscribe Unsubscribe Submit News Contact Us More Newsletters Choose Newsletters Daily Headlines Weekly Reader Picks Magazine Update Insurance Journal TV Classifieds Breaking News MyNewMarkets Daily Claims Daily Enter Your E-mail

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