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Legislative/regulatory issues
280005-00
Fiduciary obligations
What are New Hampshire’s rules concerning the establishment of a premium trust account?...
280015-00
Rate filing
What is the process in New Hampshire to obtain a carrier’s rate filing?...
280027-00
New Hampshire insurance advertising law
Where do I find the regulation that governs insurance policy advertising in the state of New Hampshire?...
280033-00
New Hampshire Limited Liability Act
What sort of fiduciary duty does a member of an LLC owe to the LLC?...
280035-00
Signatures on property/casualty applications
I recently got a notice from one of my companies that they will now accept property/casualty applications, even if they have not been signed by......
280039-00
Rebating—charitable exception
We are considering offering a donation to a children’s charity for every policy written or renewed through our agency. Can we legally do......
280040-00
Rebating—fair-market value
Would it be considered rebating if I gave out scratch-off lottery tickets, purchased for under $25, to prospective clients and one of the......
280041-00
Rebating—gift cards
Can I give out gift cards to prospective clients for allowing my agency to quote their business?...
280043-00
Disruptive client—agency refusal to write coverage
What do you do with a client that you don’t want anymore? We have an insured that is very disruptive when he comes into the office to make a......
900024-00
Family Leave Act—who pays?
I would like a clarification of the Family and Medical Leave Act of 1993. Who pays for the employee’s medical coverage if the employee takes......
900060-00
Management services for 401(k) plans
I think I saw something about a new law that lets insurance agents provide investment advice in connection with 401(k) plans. Can you give me the......
900061-00
Captive insurers
Can PIA provide me with some information on captive insurance companies?...
900083-00
C.L.U.E. reports
Does a company using Comprehensive Loss Underwriting Exchange, a data bank maintained by LexisNexis, have to release a copy of the C.L.U.E.......
900119-00
Cut-throughs
What is a “cut through”? If an insurance company becomes insolvent, are the company’s reinsurers responsible to pay claims......
900120-00
Lost policy
We have a client who is involved in a dispute with an insurance company over pollution coverage. The issue involves an old policy; our client no......
900121-00
OSHA log form sources
How do we get OSHA log forms? What forms are needed?...
900126-00
Reformation of policy language
In a settlement agreement we saw recently, the company consented to a “reformation” of its policy. Specifically, the company stated......
900184-00
Statute of limitations in subrogation action
My client, ABC Swim Club, has a commercial general liability policy with Small Insurance Co. ABC had a swim meet at XYZ Swim Club who has a......
900190-00
Waiver of subrogation vs. waiver of transfer of rights
If our insured is contractually required to name the other party as an additional insured on his or her policy, wouldn’t the request to......
900236-00
W-9 IRS tax forms—request by policyholder
We have been asked by a client to provide a W-9 Form. What is this and why does the client need it?...
900277-00
Disclosure of customer’s records—pending lawsuit
Do the Gramm-Leach-Bliley Act (GLBA) privacy rules that restrict the disclosure of nonpublic financial information prohibit me from sharing or......
900371-00
Raffle to current customers
Our agency wants to run a raffle to increase our visibility. We plan to reach out to our existing homeowners insurance customers and give away a......
900401-00
The mailbox rule
My client received a notice of cancellation for nonpayment and mailed the premium before the date of cancellation. If the payment isn’t......
900403-00
Recreational drone registration
My client just bought a drone for each of her sons and herself. Does she have to register them and how does she go about doing so?...
900405-00
Subpoenas
I just received a subpoena in connection with policies placed on behalf of my client. What is it and how should I respond?...
900415-00
DOL overtime—bonuses
I have an employee who makes $22,000 a year, but he receives a $3,000 bonus every year in December. Would this employee meet the overtime......
900416-00
Exemptions from DOL overtime
How do I know if my employees are exempt from overtime?...
900417-00
Waive DOL overtime
Can my employees waive their right to overtime?...
900418-00
DOL overtime—biweekly pay
Employees in my agency are on a biweekly pay schedule. If one of my employees who is eligible for overtime works over 40 hours in the first week......
900419-00
DOL overtime—outside-sales exemption
Will my producers qualify for the outside-sales exemption, even though many of them maintain office space at the agency?...
900427-00
Website accessibility
Does my website have to be accessible to people with disabilities?...
900447-00
Hemp and marijuana
What is the difference between hemp and marijuana under the 2018 Farm Bill?...
900516-00
Corporate Transparency Act
My agency received a notice about a beneficial ownership information disclosure required under the federal Corporate Transparency Act. What does......