Two for Tuesday: September 15, 2015

In This Issue:

Workers' Comp in a Changing Workplace

The TFT Arrr-chives

Special Feature: Construction Contract Liability Webinar

Additional Items:

Webinars

Parting Shot

Last Week's Most Clicked

Sale of the Week

Workers Comp in a Changing Workplace

An employee falls on the treadmill in the company gym. Another is injured during a three-legged sack race at the company picnic. A third breaks their wrist by tripping over the family dog while working from home. Do they have a Workers' Comp claim? The simple answer is unfortunately, "It depends."

Did the company encourage or require employees to use the gym or help offset the cost of a gym membership elsewhere? Was attendance of the picnic and/or the sack race truly voluntary or was it at least an implied requirement? Do the hazards of the home become the employer's responsibility for work at home employees? "It depends" also includes where the company is located as the same conditions leading to the injury would be covered in one state but denied in another.

Healthcare costs continue to rise which make incentives to improve the overall health of employees attractive. Work sponsored events are great for employee morale and health. Telecommuting and working from home increase flexibility and employee retention. Technology can make the accessibility of employees go from 9-5 to 24/7, which can cause stress and dissatisfaction due to the imposition on personal time. Newer offices are being designed greener, geared towards health and with a more open concept vs. cube farms as the private office is not considered a measure of success by Millennials (18-34 year olds). Another trend is a treadmill desk and the stand-up workstation, reportedly standing for a while is healthier than remaining seated throughout the day. Better get a mat for that.

It's times of change that cause problems for insurance. The risk exposure line is not nearly as clearly defined as most employers would like. What is or isn't covered will be worked out over time, but it's always best to be prepared with a carrier that actively works to stay abreast of these changes.

Eligible Industries:

Offices, Retail
Business Segment
Restaurants
Store Pac - Travelers Select

Workers' Compensation - Travelers Select is currently available on Big "I" Markets to member agents in all states except AK, CO, DE, HI, MA, ND, NM, OH, PA, WA & WY and now it's cheaper in most states!

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Special Feature:

CGL Contractual Liability Issues in the Construction Industry

By Elif Wisecup Director of Marketing of Big I Advantage^®

October 21, 2015
1:00 to 4:00 p.m. Eastern Time
Cost: $79 - Click here to register.

Participants will review the basic underpinnings of contractual liability - the difference between breach of contract and liability assumed by contract as well as assuming the liability of others in a contract. Emphasis will be on hold harmless and indemnity agreements often used in the construction industry, including the meaning of hold harmless and indemnity agreements, the parties to the agreement and the notion of performance of an obligation to hold harmless and indemnify another. With illustrations of each type of indemnity clause, the participants will explore the differences among the broad form, intermediate form and limited form indemnity clauses, including how such clauses affect third parties not a party to the indemnity. By way of certain examples, a review of limitations on indemnity agreements, including select state statute and case law, as well as a review of some statutes' "insurance exceptions" and how they may apply.

The course will examine in detail the contractual liability exclusion in the CGL policy, including whether the exclusion applies only to indemnity agreements or to other types of liability assumed by contract. A detailed review of the exceptions to the contractual liability exclusion, with emphasis on "insured contracts" will be undertaken. Also discussed will be the CGL policy's provision for defense of an indemnitee and what types of indemnity agreements are not "insured contracts." The course will conclude with a review of the fundamental differences between indemnification and additional insured, including the rights of each, and the issues created with tying additional insured coverage to an indemnity provision. VU webinar questions can be sent to bestpractices@iiaba.net.

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The Two for Tuesday Arrr-chives

Ahoy, mates! This coming Saturday (9/19) is International Talk Like a Pirate Day. It was a small affair until mentioned in a column by Dave Berry, now parties are scheduled all over the U.S., Europe, and Australia. Facebook even has a language setting for Pirate.

So don't be surprised when ye be walkin' the deck this weekend and be seein' scallywags dressed as pirates, with peg legs, eyepatches, swords, parrots 'n' carryin' recently unburied chests of shiny gold.

We here at the good ship Big "I" Markets be proud to be presentin' 'r own buried treasure. We spent the past sailing year sendin' ye dispatches from the Cap'n and then buryin' them golden nuggets in a secret place. But fear not mates as we be givin' ye a map to where they be just below.

I'll leave ye with a knee-slapper me own lad told me when he were a wee one. Why couldn't the pirate take his young son to the movie? It was rated Arrr!

Please keep in mind that the products and eligibility may have been revised or discontinued since the original article was written. Review the Information page for each product on Big "I" Markets for current content and instructions.

Product/Topic	Date Published
Affluent Homeowner:	07/28/2015; 01/13/2015; 09/24/2013; 08/06/2013; 05/27/2013; 02/05/2013; 01/15/2013; 01/08/2013; 09/25/2012; 05/29/2012; 05/15/2012; 11/01/2011; 10/18/2011; 09/27/2011; 09/13/2011; 09/06/2011; 06/07/2011; 03/29/2011; 02/22/2011; 01/18/2011; 11/02/2010; 09/21/2010; 08/10/2010; 07/13/2010; 05/04/2010; 02/09/2010; 10/27/2009; 08/18/2009; 06/30/2009; 06/16/2009; 05/19/2009; 04/28/2009; 03/24/2009; 02/24/2009; 02/03/2009; 01/20/2009; 01/06/2009; 12/09/2008; 11/11/2008; 11/04/2008; 09/30/2008; 09/23/2008; 09/16/2008; 05/06/2008; 03/04/2008; 02/19/2008; 03/11/2008; 11/13/2007: 10/09/2007; 09/11/2007; 08/28/2007; 08/07/2007; 12/12/2006; 03/06/2007; 03/20/2007; 04/03/2007; 04/17/2007; 05/15/2007; 06/12/2007; 01/17/2006; 12/06/2005; 08/23/2005; 05/24/2005; 02/15/2005; 01/25/2005; 09/07/2004; 08/17/2004; 09/09/2003; 06/10/2003; 03/11/2003
Affluent Homeowner: ACE	09/01/2015; 06/30/2015; 12/16/2014; 09/16/2014; 06/24/2014; 04/01/2014; 09/24/2013; 07/27/2010; 07/13/2010; 04/27/2010
Affluent Homeowner: AIG	07/21/2015; 04/28/2015; 02/03/2015; 11/04/2014; 08/05/2014; 05/13/2014; 02/11/2014; 11/19/2013; 09/24/2013; 04/02/2013
Affluent Homeowner: Chubb Masterpiece^®:	08/11/2015; 05/19/2015; 02/24/2015; 11/25/2014; 08/26/2014; 06/03/2014; 10/29/2013; 09/24/2013; 07/16/2013; 07/09/2013; 05/07/2013; 10/27/2009; 08/18/2009; 06/30/2009; 06/16/2009; 05/19/2009; 02/24/2009; 02/03/2009; 01/20/2009; 01/06/2009; 12/09/2008; 11/11/2008; 09/30/2008; 09/23/2008; 09/16/2008; 05/06/2008; 04/22/2008; 07/24/2007; 10/31/2006; 12/12/2006; 10/05/2004; 02/15/2005
Affluent Non-Standard Homeowners: (Now under Non-standard Homeowner or Rental Dwellings)	05/17/2011; 02/01/2011; 07/13/2010; 10/27/2009; 10/06/2009; 08/04/2009; 01/06/2009; 12/09/2008; 10/21/2008; 09/16/2008; 08/12/2008; 06/03/2008
Agility Recovery:	09/01/2015; 05/19/2015; 04/14/2015; 12/30/2014; 11/11/2014; 01/01/2013; 12/11/2012; 11/27/2012
Apartment Pac - Travelers Select:	01/17/2012; 02/08/2011; 12/14/2010
April Fool's Fun:	04/01/2014; 04/01/2008
Archive listing of all Two for Tuesdays:	09/15/2015; 08/19/2014; 03/05/2013; 12/27/2011; 12/28/2010; 11/03/2009; 08/19/2008; 07/10/2007; 10/17/2006; 10/18/2005; 06/28/2005
At-home Business Policy:	08/19/2014; 06/24/2014; 12/02/2008; 8/30/2005
Bicycle Insurance Program:	07/21/2015; 04/21/2015; 03/10/2015; 09/02/2014; 08/05/2014; 04/29/2014; 03/11/2014; 03/04/2014
Bid Bonds:	10/20/2009; 09/01/2009; 06/30/2009; 05/19/2009; 04/21/2009;
Big "I" Markets Agent Success Stories:	07/28/2015; 07/07/2015; 06/09/2015; 03/17/2015; 04/29/2014; 08/11/2009; 03/24/2009; 07/15/2008; 06/10/2008; 05/06/2008; 04/29/2008; 04/22/2008; 04/15/2008; 03/25/2008; 03/11/2008; 10/30/2007; 10/02/2007; 09/11/2007; 09/04/2007; 08/28/2007; 08/21/2007; 08/14/2007; 08/07/2007; 07/31/2007; 07/24/2007; 07/17/2007; 10/03/2006; 05/01/2007
Big “I” Markets Processing Tips:	03/27/2012; 06/22/2010; 04/18/2006; 06/21/2005; 03/22/2005; 08/31/2004
Big “I” Markets Results:	07/20/2010; 01/19/2010; 01/22/2008; 03/27/2007; 01/09/2007; 04/26/2005; 01/05/2005; 10/12/2004
Big "I" Markets on Social Media:	08/13/2013
Binding Business on Big “I” Markets:	05/01/2007; 08/23/2005; 02/15/2005; 10/18/2005; 10/05/2004; 09/07/2004
Bonds:	07/28/2015; 05/05/2015; 01/20/2015; 12/16/2014; 10/28/2014; 09/09/2014; 07/15/2014; 05/27/2014; 04/22/2014; 01/28/2014; 12/03/2013; 11/05/2013; 10/08/2013; 08/27/2013; 07/23/2013; 06/11/2013; 05/14/2013; 04/16/2013; 12/11/2012; 10/16/2012; 08/14/2012; 07/10/2012; 06/05/2012; 02/07/2012; 01/10/2012; 11/29/2011; 11/01/2011; 10/18/2011; 10/18/2011; 09/27/2011; 09/13/2011; 08/16/2011; 06/07/2011; 05/17/2011; 05/10/2011; 05/03/2011; 04/05/2011; 03/29/2011; 03/29/2011; 02/15/2011; 02/08/2011; 01/18/2011; 11/09/2010; 11/02/2010; 10/26/2010; 10/05/2010; 09/07/2010; 07/13/2010; 02/09/2010; 10/20/2009; 09/01/2009; 06/30/2009; 05/19/2009; 04/21/2009
Builders' Risk	12/15/2009
Building Pac - Travelers Select:	10/18/2011; 12/14/2010
Business Pac - Travelers Select:	09/16/2014; 08/05/2014; 06/17/2014; 05/13/2014; 03/25/2014; 02/18/2014; 01/21/2014; 09/18/2012; 06/21/2011
Caliber (Staff Hiring & Development)	08/25/2015; 07/21/2015; 06/23/2015; 06/09/2015; 04/07/2015; 01/06/2015; 11/18/2014; 01/14/2014; 03/29/2013; 05/08/2012; 04/24/2012; 04/03/2012; 02/21/2012
Coastal Homeowner: (Now under Non-standard Homeowner or Rental Dwellings)	05/17/2011; 10/27/2009; 10/06/2009; 08/04/2009; 01/06/2009; 12/09/2008; 10/21/2008; 09/16/2008; 08/12/2008; 06/17/2008; 6/03/2008
Collector Cars	05/26/2015; 02/10/2015; 12/02/2014; 07/29/2014; 04/08/2014; 07/16/2013; 02/05/2013; 12/04/2012; 2/14/2012; 9/7/2010
Commercial Auto Policy:	10/18/2011; 09/27/2011; 06/07/2011; 05/10/2011; 05/03/2011; 03/29/2011; 02/01/2011; 11/02/2010; 10/12/2010; 09/21/2010; 08/11/2009; 08/22/2006
Commercial Auto - Travelers Select:	10/18/2011; 09/27/2011: 06/07/2011: 05/10/2011: 05/03/2011: 03/29/2011: 02/01/2011: 11/02/2010: 10/12/2010: 09/21/2010
Commercial Builders Risks:	08/22/2006; 07/25/2006; 07/18/2006
Commercial Lessors Risks:	06/09/2015; 12/09/2014; 10/21/2014; 08/26/2014; 07/08/2014; 05/20/2014; 10/22/2013; 09/24/2013; 05/25/2013; 04/30/2013; 03/19/2013
Commercial Package:	06/10/2008; 10/02/2007; 08/21/2007; 02/06/2007; 04/24/2007; 05/22/2007; 02/06/2007; 09/12/2006; 08/22/2006; 07/25/2006; 06/27/2006; 06/06/2006
Community Banks:	05/12/2015; 03/03/2015; 11/26/2013; 06/04/2013; 01/29/2013; 08/31/2010; 04/20/2010; 04/13/2010; 10/20/2009; 08/18/2009; 06/30/2009; 05/19/2009; 05/12/2009; 03/31/2009; 03/24/2009; 02/24/2009; 02/17/2009; 04/22/2008; 02/05/2008; 10/30/2007; 10/16/2007; 08/21/2007; 02/13/2007; 05/08/2007; 11/14/2006; 01/16/2007; 04/10/2007; 05/29/2007; 08/15/2006; 08/01/2006; 06/13/2006; 03/14/2006; 03/07/2006; 09/13/2005; 07/12/2005; 02/14/2006; 01/17/2006; 04/08/2003; 06/10/2003; 11/11/2003; 07/13/2004; 08/24/2004; 11/09/2004; 01/18/2005; 03/22/2005
Condo Pac - Travelers Select:	06/21/2011; 12/14/2010
Corporate/LLC Owned Homeowner: (Now under Non-standard Homeowner or Rental Dwellings)	10/27/2009; 10/06/2009; 08/04/2009; 01/06/2009; 12/09/2008; 10/21/2008; 09/16/2008; 08/12/2008; 07/08/2008; 06/03/2008
Contractor Bonds:	10/20/2009; 09/01/2009; 06/30/2009; 05/19/2009; 04/21/2009
Contractors Pac - Travelers Select:	09/27/2011; 08/16/2011; 01/18/2011; 12/07/2010
Coverage Corner Feature:	09/25/2012; 03/27/2012; 10/20/2009; 09/29/2009; 08/11/2009; 07/14/2009; 06/09/2009; 12/16/2008; 09/30/2008; 07/08/2008; 05/20/2008; 12/18/2007; 05/22/2007; 04/18/2006; 04/11/2006; 10/11/2005; 08/23/2005; 05/17/2005: 06/14/2005
CrossSellNOW:	10/27/2009; 07/14/2009; 06/09/2009
Cyber Liability	07/14/2015; 02/24/2015; 10/14/2014; 06/10/2014; 10/01/2013; 07/02/2013; 04/09/2013; 12/04/2012; 08/21/2012; 05/22/2012
DirectMailNOW:	10/27/2009; 10/13/2009; 09/29/2009; 09/01/2009; 08/04/2009; 07/14/2009; 06/23/2009; 06/09/2009
DocuSign:	07/07/2015; 06/02/2015; 03/31/2015; 02/17/2015; 12/16/2014; 12/02/2014; 09/09/2014; 07/29/2014; 07/15/2014; 05/27/2014; 02/11/2014; 01/21/2014; 01/07/2014; 11/05/2013; 10/01/2013; 09/17/2013
Eagle Agency:	03/03/2009; 12/02/2008; 11/18/2008; 09/23/2008; 08/05/2008
Eagle MetLife Auto & Home:	09/09/2008
Electronic Funds Transfer (EFT):	09/03/2013
Employment Practices Liability:	05/07/2013; 11/22/2011; 10/11/2011; 07/26/2011; 01/25/2011; 09/21/2010; 08/03/2010; 03/23/2010; 02/17/2009; 01/13/2009; 06/17/2008; 12/18/2007; 04/24/2007; 05/29/2007
Environmental Impairment/Pollution	04/08/2014; 11/27/2012; 10/23/2012; 08/28/2012; 08/07/2012; 04/03/2012; 06/08/2010
E&O / Compliance Tips / E&O Happens:	04/21/2015; 03/03/2015; 02/03/2015; 01/20/2015; 01/13/2015; 11/04/2014; 10/07/2014; 09/23/2014; 02/04/2014; 10/15/2013; 08/13/2013; 07/23/2013; 07/16/2013; 04/28/2009; 07/17/2007; 12/13/2005; 08/24/2004
Event Liability - Philadelphia:	07/14/2015; 04/21/2015; 01/27/2015; 11/18/2014; 09/23/2014; 05/27/2014; 05/06/2014; 03/18/2014; 12/10/2013; 10/01/2013; 07/02/2013; 11/20/2012; 09/04/2012; 07/03/2012; 05/29/2012; 03/06/2012; 11/29/2011; 10/18/2011; 10/11/2011; 06/28/2011; 06/07/2011; 03/29/2011; 04/20/2010; 02/02/2010; 08/18/2009; 08/11/2009; 06/09/2009; 04/14/2009; 03/10/2009; 02/10/2009; 01/20/2009; 12/09/2008; 11/11/2008; 10/28/2008; 09/30/2008; 07/29/2008; 04/29/2008
Excess Flood:	09/21/2010; 06/08/2010; 05/05/2009; 02/10/2009; 03/25/2008; 02/12/2008
FedEx	07/30/2013; 05/21/2013; 04/16/2013; 02/12/2013; 12/18/2012; 11/20/2012; 11/24/2009
Fidelity & Crime Program	07/26/2011; 01/25/2011; 03/23/2010; 03/09/2010
Financial Advisors Professional Liability:	10/18/2011; 03/31/2009; 01/20/2009; 03/18/2008; 01/08/2008; 11/13/2007; 03/13/2007
Flood:	09/08/2015; 08/18/2015; 06/23/2015; 03/10/2015; 01/27/2015; 12/09/2014; 10/14/2014; 08/12/2014; 07/01/2014; 05/20/2014; 05/06/2014; 04/15/2014; 02/25/2014; 01/14/2014; 09/03/2013; 08/20/2013; 06/04/2013; 03/26/2013; 03/12/2013; 02/26/2013; 02/05/2013; 11/06/2012; 10/16/2012; 04/17/2012; 02/21/2012; 09/13/2011; 08/09/2011; 07/19/2011; 05/31/2011; 04/12/2011; 03/01/2011; 11/02/2010; 10/19/2010; 08/31/2010; 07/13/2010; 06/15/2010; 05/04/2010; 04/06/2010; 03/23/2010; 03/16/2010; 01/26/2010; 12/15/2009; 11/10/2010; 09/15/2009; 07/14/2009; 06/23/2009; 05/12/2009; 05/05/2009; 04/28/2009; 03/17/2009; 03/10/2009; 03/03/2009; 02/10/2009; 01/06/2009; 10/28/2008; 09/02/2008; 08/12/2008; 07/22/2008; 07/15/2008; 05/27/2008; 04/01/2008; 02/12/2008; 12/11/2007; 10/23/2007; 09/25/2007; 09/04/2007; 08/21/2007; 08/14/2007; 07/17/2007; 06/05/2007; 05/01/2007; 04/03/2007; 02/27/2007; 01/23/2007; 12/26/2006; 11/28/2006; 08/15/2006; 06/27/2006; 05/16/2006; 04/04/2006; 03/21/2006; 01/17/2006; 11/22/2005; 11/15/2005; 09/06/2005; 07/26/2005; 04/12/2005; 03/08/2005; 01/25/2005; 10/26/2004; 10/19/2004; 09/14/2004; 06/22/2004; 06/15/2004; 10/28/2003; 08/05/2003; 06/24/2003; 03/25/2003;
Flood Rollover Process:	11/28/2006; 06/07/2005; 07/26/2005; 04/19/2005; 06/14/2005
FloodSmart Award:	05/05/2009
Frequently Asked Questions / Using Big "I" Markets:	04/28/2015; 03/24/2015; 04/22/2014; 07/30/2013; 12/18/2012; 09/18/2012; 02/21/2012; 07/28/2009; 02/19/2008; 08/29/2006; 07/25/2006; 01/10/2006; 08/30/2005; 01/05/2005; 04/26/2005
Garage Pac - Travelers Select:	07/17/2012; 06/07/2011; 03/08/2011
Habitational - Apartment Program:	07/07/2015; 04/14/2015; 03/24/2015; 02/10/2015; 01/06/2015; 07/22/2014; 06/10/2014; 05/06/2014; 04/08/2014; 03/25/2014; 02/04/2014; 12/10/2013; 11/05/2013; 09/17/2013; 07/30/2013; 06/18/2013; 05/14/2013; 03/26/2013; 01/15/2013; 09/25/2012; 09/11/2012; 06/19/2012; 05/15/2012; 03/20/2012; 02/28/2012; 01/17/2012; 01/03/2012; 12/20/2011; 11/01/2011; 10/18/2011; 09/27/2011; 09/20/2011; 09/13/2011; 08/30/2011; 08/23/2011; 07/12/2011; 06/28/2011; 06/07/2011; 03/29/2011; 03/15/2011; 02/22/2011; 02/15/2011; 02/08/2011; 10/26/2010; 09/21/2010; 08/17/2010; 08/10/2010; 07/13/2010; 06/29/2010; 01/19/2010; 12/22/2009; 12/08/2009; 11/17/2009; 11/10/2009; 10/13/2009; 10/06/2009; 08/11/2009; 07/28/2009; 07/21/2009; 07/14/2009; 07/07/2009; 06/09/2009; 05/19/2009; 04/14/2009; 03/24/2009; 03/03/2009; 02/03/2009; 01/27/2009; 01/20/2009; 01/13/2009; 01/06/2009; 12/09/2008; 11/11/2008; 11/04/2008; 10/21/2008; 10/14/2008; 10/07/2008; 09/30/2008; 09/23/2008; 09/02/2008; 08/05/2008; 05/13/2008; 05/06/2008
Habitational - Condo & Homeowner Associations:	04/14/2015; 03/24/2015; 02/10/2015; 01/06/2015; 11/11/2014; 07/22/2014; 06/10/2014; 05/06/2014; 04/08/2014; 03/25/2014; 02/04/2014; 12/10/2013; 11/05/2013; 09/17/2013; 07/30/2013; 06/18/2013; 05/14/2013; 03/26/2013; 05/15/2012; 04/10/2012; 03/20/2012; 02/28/2012; 01/03/2012; 12/20/2011; 10/04/2011; 09/27/2011; 09/20/2011; 09/13/2011; 08/30/2011; 07/12/2011; 06/28/2011; 03/29/2011; 07/13/2010; 01/19/2010; 12/22/2009; 12/08/2009; 10/06/2009; 09/29/2009; 09/08/2009; 08/11/2009; 07/28/2009; 07/21/2009; 07/14/2009; 07/07/2009; 06/09/2009; 03/24/2009; 03/03/2009; 01/27/2009; 01/20/2009; 01/13/2009; 01/06/2009; 12/09/2008; 11/11/2008; 11/04/2008; 10/21/2008; 10/14/2008; 10/07/2008; 09/30/2008; 09/23/2008; 09/02/2008; 08/05/2008; 05/20/2008; 05/06/2008
Highly Protected Risks:	12/30/2014; 04/29/2014; 12/17/2013; 10/04/2011
Host Liquor Liability:	12/09/2003
How to add users/licenses to Big “I” Markets:	12/04/2007; 03/06/2007; 08/09/2005; 12/21/2004
Hurricane instruction (Flood):	10/30/2012; 09/15/2009; 04/28/2009; 06/05/2007; 08/01/2006; 06/27/2006; 06/14/2005; 09/16/2003; 09/21/2004; 04/12/2005
Identity Theft:	01/25/2011; 02/15/2005; 03/29/2005; 05/03/2005
InsurBanc:	08/04/2015; 07/14/2015; 03/17/2015; 08/12/2014; 07/01/2014; 06/03/2014; 05/13/2014; 11/05/2013; 08/06/2013; 07/30/2013; 07/02/2013; 02/19/2013; 01/29/2013; 10/20/2009
Insurance Industry News	11/26/2013; 10/02/2012; 09/11/2012; 08/21/2012; 07/24/2012; 07/17/2012; 07/10/2012; 10/19/2004
Insurance Company Professional & Business Insurance:	03/06/2012; 12/13/2011
International Advantage - ACE:	08/11/2015; 04/14/2015; 03/17/2015; 09/02/2014; 07/08/2014; 03/11/2014; 11/19/2013; 05/27/2013; 11/13/2012
InVEST:	06/30/2015;
Just for Fun:	12/23/2014; 11/25/2014; 04/01/2014; 12/24/2013; 04/01/2008
Kaizen:	01/30/2007; 04/17/2007
LeadsNOW	09/29/2009; 08/04/2009; 07/28/2009; 07/14/2009; 06/09/2009
Life Insurance and LTC - Crump (previously LifeSource)	08/11/2015; 03/18/2014; 01/28/2014; 12/17/2013; 09/17/2013; 08/27/2013; 04/30/2013; 04/02/2013; 02/12/2013; 11/13/2012; 10/23/2012; 09/28/2010; 08/24/2010; 04/13/2010
Loss Control:	12/10/2013; 11/19/2013; 10/08/2013; 11/04/2008
Management Consultants:	05/17/2005
ManageNOW:	07/14/2009; 06/09/2009
Marine Insurance - ACE (Charter, Performance, PWC, Small Boats, Yachts & Mega-Yachts):	08/18/2015; 06/09/2015; 03/31/2015; 10/07/2014; 07/01/2014; 03/18/2014; 11/12/2013; 08/27/2013; 05/21/2013; 02/26/2013; 07/24/2012; 07/03/2012; 05/29/2012; 01/24/2012; 12/13/2011; 11/15/2011
Markel Outdoors - Hunting & Fishing Lodges and Plantations:	07/07/2015; 04/21/2015; 09/23/2014; 01/14/2014; 07/05/2011; 11/16/2010; 08/17/2010; 05/04/2010; 09/22/2009; 06/09/2009; 06/02/2009; 04/07/2009; 11/11/2008; 11/04/2008; 10/21/2008; 10/14/2008
Markel Outdoors - Outfitters & Guides:	07/07/2015; 04/21/2015; 09/23/2014; 01/14/2014; 07/05/2011; 11/16/2010; 08/17/2010; 09/22/2009; 06/09/2009; 06/02/2009; 04/07/2009; 03/17/2009; 11/04/2008; 10/21/2008; 10/14/2008
Markel Outdoors - Rod & Gun Clubs:	07/07/2015; 04/21/2015; 09/23/2014; 01/14/2014; 07/05/2011; 11/16/2010; 08/17/2010; 09/22/2009; 06/09/2009; 06/02/2009; 04/07/2009; 11/04/2008; 10/21/2008; 10/14/2008
Marketing Angle:	01/24/2012; 09/29/2009; 06/09/2009; 11/08/2005; 10/11/2005; 08/23/2005; 08/09/2005; 07/26/2005
Member Marketing Activity Center: MMAC:	01/08/2013; 08/07/2012; 02/28/2012; 01/10/2012; 06/14/2011; 01/25/2011; 01/18/2011; 10/19/2010; 10/05/2010; 01/12/2010; 01/05/2010; 12/29/2009; 12/08/2009; 10/27/2009; 10/13/2009; 09/29/2009; 09/22/2009; 09/01/2009; 08/04/2009; 07/28/2009; 07/21/2009; 07/14/2009; 06/23/2009; 06/16/2009; 06/09/2009; 03/03/2009
Misc. Professional Liability - Philadelphia:	09/01/2015; 02/03/2015; 06/17/2014; 12/06/2011; 07/26/2011; 01/11/2011; 03/28/2006; 07/08/2003; 10/28/2003; 07/27/2004; 05/17/2005
Misc. Professional Liability - Wrap+:	01/25/2011; 01/13/2009; 01/18/2005
Non-profit D&O:	05/12/2015; 07/22/2014; 08/24/2010; 01/13/2009; 11/27/2007; 06/26/2007; 03/28/2006; 11/29/2005; 11/08/2005; 11/23/2004; 12/07/2004; 12/14/2004; 01/18/2005
Non-Standard Condominium: (Now under Non-standard Condominium Unit Owner)	03/19/2013; 09/14/2010; 10/06/2009; 08/04/2009; 01/06/2009; 12/09/2008; 10/21/2008; 09/16/2008; 08/12/2008; 06/03/2008
Non-Standard Condominium Unit Owner:	09/30/2014;
Non-Standard Homeowners or Rental Dwelling:	08/25/2015; 05/26/2015; 03/03/2015; 11/18/2014; 09/30/2014; 11/12/2013; 09/03/2013; 05/21/2013; 03/19/2013; 01/01/2013; 08/14/2012; 11/01/2011; 10/18/2011; 09/27/2011; 09/13/2011; 07/05/2011; 06/07/2011; 05/03/2011; 03/29/2011; 03/01/2011; 11/23/2010; 11/02/2010; 09/21/2010; 09/14/2010; 07/13/2010; 03/30/2010; 01/05/2010; 10/06/2009; 08/04/2009; 01/06/2009; 12/09/2008; 11/04/2008; 10/21/2008; 09/16/2008; 08/12/2008; 07/29/2008; 06/03/2008
Non-Standard Rental Dwelling: (Now under Non-standard Homeowner or Rental Dwellings)	03/19/2013; 10/18/2011; 09/14/2010; 10/27/2009; 10/06/2009; 08/04/2009; 02/24/2009; 01/06/2009; 12/09/2008; 10/21/2008; 09/16/2008; 08/12/2008; 07/08/2008: 06/03/2008
Non-Standard Renters:	09/30/2014; 09/14/2010; 10/27/2009; 10/06/2009; 08/04/2009; 01/06/2009; 12/09/2008; 10/21/2008; 09/16/2008; 08/12/2008; 06/03/2008
Office Pac - Travelers Select:	06/23/2015; 06/02/2015; 09/16/2014; 08/05/2014; 06/17/2014; 05/13/2014; 03/25/2014; 02/18/2014; 01/21/2014; 11/26/2013; 01/22/2013; 09/18/2012; 09/27/2011; 06/21/2011; 03/29/2011; 06/22/10
Performance Bonds:	09/01/2009; 06/30/2009; 05/19/2009; 04/21/2009
Personal Builders Risk: (Now under Non-standard Homeowner or Rental Dwellings)	10/27/2009; 10/06/2009; 08/04/2009; 03/24/2009; 01/06/2009; 12/09/2008; 10/21/2008; 09/16/2008; 08/12/2008; 07/22/2008; 06/03/2008
Personal Umbrella:	07/28/2015; 05/26/2015; 05/05/2015; 01/13/2015; 11/04/2014; 06/24/2014; 02/04/2014; 11/19/2013; 07/23/2013; 07/09/2013; 04/30/2013; 01/22/2013; 11/20/2012; 09/11/2012; 05/22/2012; 01/10/2012; 09/06/2011; 07/26/2011; 07/05/2011; 06/07/2011; 03/08/2011; 01/11/2011; 12/21/2010; 07/27/2010; 07/06/2010; 04/27/2010; 04/20/2010; 03/02/2010; 02/16/2010; 12/08/2009; 09/22/2009; 09/01/2009; 05/26/2009; 04/21/2009; 03/03/2009; 01/29/2008; 01/20/2009; 01/06/2009; 12/30/2008; 12/23/2008; 12/02/2008; 10/07/2008; 09/30/2008; 07/17/2007; 01/16/2007; 01/23/2007; 12/26/2006; 07/11/2006; 01/17/2006; 12/13/2005; 11/15/2005; 07/05/2005; 06/14/2005; 06/07/2005; 06/29/2004; 06/07/2005; 06/14/2005
Product Development Survey Results:	03/03/2009; 05/15/2007; 12/19/2006; 01/24/2006; 10/04/2005; 07/19/2005; 08/10/2004
Product Guide:	09/30/2014; 06/12/2012
Product Resources:	11/06/2007
Property Managers E&O:	10/11/2011
Prospecting & Retention Tips:	02/10/2015; 08/14/2012; 06/26/2012; 06/19/2012; 06/05/2012; 05/15/2012; 05/01/2012; 04/10/2012; 03/20/2012; 10/13/2009; 09/29/2009; 09/22/2009; 09/15/2009; 06/23/2009; 06/16/2009; 06/09/2009; 03/17/2009; 05/27/2008; 04/22/2008; 05/20/2003
ProspectNOW:	10/13/2009; 09/29/2009; 09/01/2009; 07/28/2009; 07/14/2009; 06/16/2009; 06/09/2009; 03/03/2009
Real Estate Agents E&O:	06/02/2015; 04/07/2015; 02/17/2015; 10/28/2014; 08/12/2014; 10/09/2012; 10/11/2011; 07/26/2011; 07/19/2011; 01/18/2011; 01/11/2011; 07/20/2010; 07/13/2010; 02/23/2010; 11/24/2009; 08/25/2009; 08/11/2009; 05/26/2009; 03/31/2009; 03/10/2009; 12/16/2008; 01/08/2008; 03/27/2007; 12/11/2007; 11/20/2007; 10/30/2007; 09/11/2007; 08/14/2007; 12/12/2006; 04/17/2007; 06/12/2007; 08/29/2006; 05/30/2006; 03/14/2006; 03/07/2006; 02/21/2006; 02/14/2006; 01/17/2006; 04/08/2003; 06/24/2003; 01/18/2005
Recreational Vehicles:	08/04/2015; 03/31/2015; 01/06/2015; 06/03/2014; 04/23/2013; 01/18/2011; 04/27/2010; 06/09/2009; 06/02/2009; 06/03/2008; 05/13/2008; 04/08/2008; 03/11/2008; 09/18/2007; 07/31/2007; 05/29/2007; 09/05/2006; 07/11/2006; 05/30/2006; 05/23/2006; 05/02/2006; 03/07/2006; 07/26/2005; 03/09/2004; 06/22/2004; 07/20/2004; 01/18/2005; 02/08/2005
Relationship selling & branding:	06/11/2013; 10/06/2009; 06/09/2009; 04/05/2005
Religion Pac - Travelers Select:	10/18/2011
Restaurant Pac - Travelers Select:	08/25/2015; 11/06/2012; 02/28/2012; 10/18/2011; 05/24/2011; 02/15/2011
RetainNOW:	09/29/2009; 07/14/2009; 06/09/2009
Retirement Planning:	04/28/2015; 10/21/2014; 04/01/2014; 03/11/2014; 10/22/2013; 07/30/2013; 06/04/2013; 03/26/2013; 01/15/2008; 03/27/2007 10/23/2007; 07/31/2007
Seasonal Homeowner: (Now under Non-standard Homeowner or Rental Dwellings)	10/18/2011; 10/27/2009; 10/06/2009; 08/04/2009; 01/06/2009; 12/09/2008; 10/21/2008; 09/16/2008; 08/12/2008; 07/01/2008; 06/03/2008
Self-Improvement Tips:	02/19/2013; 09/18/2012; 09/04/2012; 07/31/2012; 06/12/2012; 04/03/2012; 02/14/2012; 02/07/2012
Senior Housing Apartment Program:	10/13/2009 12/20/2011; 08/11/2009; 07/21/2009; 07/14/2009; 07/07/2009; 06/09/2009; 03/03/2009
Specialty Markets:	02/03/2009; 08/17/2004
Stand-alone Fine Art & Valuable Articles (Personal & Commercial):	06/16/2015; 02/17/2015; 12/23/2014; 12/02/2014; 09/09/2014; 07/29/2014; 06/10/2014; 04/29/2014; 03/04/2014; 01/07/2014; 10/15/2013; 09/10/2013; 04/09/2013; 02/12/2013; 10/16/2012; 07/24/2012; 06/05/2012; 05/01/2012; 02/14/2012; 12/20/2011; 09/27/2011; 06/07/2011; 03/15/2011; 10/12/2010; 07/13/2010; 06/29/2010; 06/01/2010; 05/25/2010
Store Pac - Travelers Select:	09/16/2014; 08/05/2014; 06/17/2014; 05/13/2014; 03/25/2014; 02/18/2014; 01/21/2014; 09/18/2012; 10/18/2011; 06/21/2011; 04/19/2011; 11/16/10
Student Housing Apartment Program:	12/20/2011; 09/28/2010; 08/11/2009; 07/21/2009; 07/14/2009; 07/07/2009; 06/09/2009; 04/14/2009; 04/07/2009; 03/24/2009; 03/03/2009; 01/06/2009; 06/24/2008
Surety Bonds:	07/28/2015; 05/05/2015; 01/20/2015; 12/16/2014; 10/28/2014; 09/09/2014; 10/20/2009; 09/01/2009; 06/30/2009; 05/19/2009; 04/21/2009
Technology Consultants E&O:	06/16/2015; 04/14/2009; 01/08/2008; 03/27/2007
Technology Office Pac - Travelers:	11/11/2014; 09/16/2014; 08/05/2014; 06/17/2014; 05/13/2014; 03/25/2014; 02/18/2014; 01/21/2014; 09/18/2012
Tips of the Trade:	06/09/2015; 11/25/2014; 10/28/2014; 06/11/2013; 05/27/2013; 09/22/2009; 02/19/2008; 12/18/2007; 09/18/2007; 08/29/2006; 06/21/2005
Top Products:	01/21/2014; 06/18/2013; 04/02/2013; 01/01/2013; 12/11/2012; 11/27/2012; 10/02/2012; 09/04/2012; 07/10/2012; 06/26/2012; 06/12/2012; 05/01/2012; 03/27/2012; 02/07/2012; 07/07/2004; 11/02/2004
Travel Insurance:	08/18/2015; 05/19/2015; 01/27/2015; 10/21/2014; 09/02/2014; 01/07/2014; 10/22/2013; 10/15/2013; 09/10/2013; 04/23/2013; 10/23/2012; 08/28/2012; 04/24/2012; 01/17/2012; 11/29/2011; 11/08/2011; 05/03/2011; 04/19/2011; 04/05/2011; 07/21/2009
Travelers Select Accounts (Business Pac, Store Pac, Garage Pac, Contractor Pac, Apartment Pac, Building Pac, Technology Office Pac, Religious Pac)	06/23/2015; 06/02/2015; 03/17/2015; 12/30/2014; 11/11/2014; 09/16/2014; 08/05/2014; 06/17/2014; 05/13/2014; 03/25/2014; 02/18/2014; 01/21/2014; 10/29/2013; 03/26/2013; 07/31/2012; 11/01/2011; 10/25/2011; 10/18/2011; 09/27/2011; 09/13/2011; 09/06/2011; 08/09/2011; 07/26/2011; 07/05/2011; 06/21/2011; 06/07/2011; 05/03/2011; 04/19/2011; 03/29/2011; 03/08/2011; 02/01/2011; 12/21/2010; 12/14/2010; 12/07/2010; 11/16/2010; 11/02/2010; 10/12/2010; 09/28/2010; 06/22/2010; 06/15/2010; 06/08/2010; 06/01/2010;
TravPay:	08/13/2013
Trusted Choice^®:	08/19/2014; 10/26/2010; 10/05/2010; 03/03/2009; 01/27/2009; 12/23/2008; 10/14/2008; 08/15/2006; 07/25/2006; 06/28/2005; 01/25/2005; 06/28/2005
Uninsured/Underinsured Motorist Information:	01/13/2015; 02/11/2014 01/22/2013;
Unprotected Homeowner: (Now under Non-standard Homeowner or Rental Dwellings)	10/27/2009; 10/06/2009; 08/04/2009; 01/06/2009; 12/09/2008; 10/21/2008; 09/16/2008; 08/12/2008; 06/03/2008
Unsupported Secondary Homeowner: (Now under Non-standard Homeowner or Rental Dwellings)	10/27/2009; 10/06/2009; 08/04/2009; 01/06/2009; 12/09/2008; 10/21/2008; 09/16/2008; 08/12/2008; 07/01/2008; 06/03/2008
UPS:	05/12/2015; 02/24/2015; 12/09/2014; 09/16/2014; 06/24/2014; 04/15/2014; 02/18/2014
Vacant Dwelling: (Now under Vacant Dwelling - Non-standard)	05/17/2011; 01/18/2011; 10/27/2009; 10/06/2009; 08/25/2009; 08/18/2009; 08/04/2009; 06/30/2009; 06/09/2009; 05/19/2009; 05/05/2009; 04/14/2009; 03/24/2009; 02/24/2009; 02/17/2009; 01/27/2009; 01/06/2009; 12/09/2008; 10/21/2008; 09/16/2008; 08/26/2008; 08/12/2008; 07/15/2008; 06/10/2008; 06/03/2008
Vacant Dwelling - Non-standard	09/30/2014; 09/30/2014;
Virtual Risk Consultant (VRC):	03/10/2015; 07/22/2014; 03/04/2014; 10/29/2013; 09/24/2013; 06/25/2013; 05/14/2013; 10/18/2011; 08/30/2011; 03/15/2011; 01/18/2011; 01/11/2011; 03/30/2010; 02/23/2010; 12/01/2009
Virtual University:	06/16/2015; 05/05/2015; 03/24/2015; 10/28/2014; 08/26/2014; 07/08/2014; 08/11/2009; 07/14/2009; 06/23/2009; 02/10/2009; 12/16/2008; 09/30/2008; 09/16/2008; 06/17/2008; 11/27/2007
Workers Compensation Policy:	11/02/2010; 10/12/2010; 09/21/2010; 09/14/2010; 08/11/2009; 09/04/2007; 08/22/2006; 08/01/2006; 06/20/2006
Workers Compensation - Travelers Select:	09/15/2015; 08/04/2015; 10/18/2011; 09/27/2011; 09/06/2011; 08/09/2011; 07/26/2011; 05/03/2011; 09/14/2010
Wrap+ Executive Liability:	06/30/2015; 01/20/2015; 10/07/2014; 04/15/2014; 12/03/2013; 06/11/2013; 01/29/2013; 10/09/2012; 04/10/2012; 11/22/2011; 07/26/2011; 06/14/2011; 04/26/2011; 02/01/2011; 01/25/2011; 08/31/2010; 05/11/2010; 09/08/2009; 03/31/2009; 02/17/2009; 02/26/2008; 01/13/2009; 11/27/2007; 02/13/2007; 09/26/2006; 11/07/2006; 05/08/2007; 04/11/2006

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New Webinars

"Certificates of Insurance" - 2015 Edition

September 16, 2015
1:00 to 4:00 p.m. Eastern Time
$79 - Click here to register

Some agents have placed information or specifically requested wording on certificates of insurance, compliance checklists, or agent affidavits that include knowingly incorrect information. Sometimes it is well meaning and trying to save a customer from losing a job or a paycheck for completed work. Sadly, in some cases there are likely agents who do it when more law-abiding and ethical agents won't so that they can keep or get the business. This Big "I" Virtual University webinar continues the Certificate of Insurance conversation and covers where the problems most often begin; additional insureds; contractual insurance requirements…what can or can't you do; other issues and more with q&a time.

Also planned is the October webinar on CGL Contractual Liability Issues in the Construction Industry. VU webinar questions can be sent to bestpractices@iiaba.net.

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CGL Contractual Liability Issues in the Construction Industry

October 21, 2015
1:00 to 4:00 p.m. Eastern Time
$79 - Click here to register

Participants will review the basic underpinnings of contractual liability - the difference between breach of contract and liability assumed by contract as well as assuming the liability of others in a contract. Emphasis will be on hold harmless and indemnity agreements often used in the construction industry, including the meaning of hold harmless and indemnity agreements, the parties to the agreement and the notion of performance of an obligation to hold harmless and indemnify another. With illustrations of each type of indemnity clause, the participants will explore the differences among the broad form, intermediate form and limited form indemnity clauses, including how such clauses affect third parties not a party to the indemnity. By way of certain examples, a review of limitations on indemnity agreements, including select state statute and case law, as well as a review of some statutes' "insurance exceptions" and how they may apply.

The course will examine in detail the contractual liability exclusion in the CGL policy, including whether the exclusion applies only to indemnity agreements or to other types of liability assumed by contract. A detailed review of the exceptions to the contractual liability exclusion, with emphasis on "insured contracts" will be undertaken. Also discussed will be the CGL policy's provision for defense of an indemnitee and what types of indemnity agreements are not "insured contracts." The course will conclude with a review of the fundamental differences between indemnification and additional insured, including the rights of each, and the issues created with tying additional insured coverage to an indemnity provision. VU webinar questions can be sent to bestpractices@iiaba.net.

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Remember that you can view the following webinars 24/7 by checking out the BIM Webinar Library. To do that log onto Big "I" Markets and click on "Publications".

Personal Liability Trends - Fireman's Fund
TravPay
Commercial Lessor's Risk
Affluent Homeowners
Travelers Select Products (series)
Travel Insurance
Community Banks
XS Flood
Real Estate E&O
RLI Personal Umbrella
Affluent Homeowner
"Oh, by the way...Flood Sale"
Habitational
Non-standard Homeowner
Student Housing

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BIM WEBSITE TRAINING WEBINAR

For all you folks who recently registered for Big "I" Markets, remember you can participate in a webinar from the comfort of your office to help you learn how to navigate around the system. Every Thursday at 2:00 p.m. EDT we'll show you how to navigate the Big "I" Markets platform, including how to submit a quote! A recording of this webinar can be found under "Publications" after logging into Big "I" Markets.

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Student of the Industry Parting Shot

Impact of a Wildfire-Middletown, CA - 2% in One Day?
By Paul Buse, President of Big I Advantage^®

The Valley Fire in Lake County, about 100 miles north of San Francisco, grew quickly to 50,000 acres in less than 24 hours this weekend. That included Middletown, CA, a community of about 1,300 people west of Sacramento. What's the impact of such a fire on the insurance industry? As of Monday, 8:00 am, the report was 400 structures were lost. As a student, you know, no industry has more data than we do. While state specific data often takes more digging a 2012 A.M. Best by-state report on the homeowners market gives some early insights. Below are some facts to consider.

Source: A.M. Best source would be this: Best Review, November 2012, Table: "U.S. Homeowners Multiple Peril - 2011 Direct Premiums Written by State, Canada, and U.S. Territories"
CalFire
Trulia, Inc.

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Last Week's Most Clicked Links

Here are the top three items that got BIM agents clicking from our last edition... see what you missed!

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Big "I" Markets Sale of the Week

Congrats to our agent in Tennessee on a habitational - apartment sale of $32,236in premium!

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Tuesday, September 15, 2015

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TFT is authored by Michael Welch
Big "I" Markets Marketing Assistant