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Below is a listing of the documents that are available. Simply click on the document title to select that documents. The index is updated on a regular basis.
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Contracts and agreements
Reviewing agency agreements—PIA offers producers a few tips
Tips on things producers should look for when reviewing company/agency agreements, such as agent’s authority, indemnification, compensation, termination and warranties. 3 pages
It’s more than who owns the book of business
The issue of who owns a book of business goes beyond carrier-agency relationships. This resource kit discusses the different types of relationships and how to protect your ownership of a book of business. 2 pages
If it’s in writing is it an enforceable contract?
This document outlines a number of situations whereby a contract may not be enforceable, even if it’s in writing. 2 pages
PIA research series: agency agreements
A PIA National report covering agency agreements and their important aspects, including ownership of business, commissions, termination and contingency agreements. 36 pages
Brokerage contracts—a checklist
A checklist of items brokers should be aware of and, at a minimum, be included in any brokerage contract. 1 page
Separation agreements
Offers tips on things that should be considered when developing a separation agreement, including sample verbiage. 3 pages
Agreements not-to-compete: protection or illusion?
PIA’s E&O counsel discusses covenants-not-to-compete and legal exposures for agency management. 2 pages
What is a restrictive covenant; why do I care?
Understanding what restrictive covernants are and the limitations that exist for both employers and employees will help you pick the agreement that is a good fit for everyone. 3 pages
Agency-insurer agreements—information issues for agency principals
Overviews important contract aspects insurance producers should be aware of when “accepting” online agency-insurer agreements. 3 pages
Understanding the restrictions of a noncompete
This illustration of restrictive employment covenants helps clarify what a noncompete agreement must contain in order to be upheld by the courts. 3 pages
Who really owns the book of business?
Comprehensive review of agency/company agreements and, in particular, ownership rights. 2 pages
Is your agency making expensive promises?
This resource kit gives insight into what could be intended as nothing more than an enthusiastic declaration of dedication to help secure coverage, which could put an agency on the hook for more than it may have considered. 3 pages
Be alert: Red flags in agency agreements
This resource kit discusses a few clauses popping up in agency agreements. 3 pages