member questions answered by our highly-qualified technical specialists.
If you have not registered for members-only sevices from PIA click here.
Browse by topic
Agency management
Scanned documents
Are scanned documents admissible in court?
Mailing of legal documents
I sometimes have to send time-sensitive insurance documents and prove that the recipient read them. Legally, what is my best option?
Interns under the FLSA
Are interns treated as employees under the federal Fair Labor Standards Act and, therefore, subject to the minimum wage and overtime rules?
Consent for electronic delivery of policy
Must an insurer that implements an online insurance policy delivery system obtain the consent of each insured before it can place the insured’s insurance policies online, in lieu of issuing paper copies of the policies?
Employer liability for misrepresentations in hiring
We read about an agency which hired two new members to its management team and told both of them separately, “When the current vice president retires, you will get her job.” Obviously both cannot get the job, but the agency wanted to entice both to join the staff to eventually determine which would be the better fit. Is the agency incurring any liability by doing so?
Making changes to an application based on oral conversation
Can an insurance producer make an additional change to an application, which has already been signed by the insured, with their verbal consent and have it be legal?
Brokers’ care and diligence to client
Does an insurance broker that has a professional relationship with a policyholder, and that is aware of that policyholder’s need for coverage, fail to act in good faith, with the requisite care and reasonable diligence if he/she fails to procure the necessary insurance coverage for the plaintiffs?
Marketing text messages
Do I need permission to send marketing text messages?