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Legislative/regulatory issues
440001-00
Rebating
Does Vermont have a law that prohibits rebating?...
440004-00
Automobile glass repair shop regulation
What are the laws regulating automobile glass repair shops on insurance claims?...
440008-00
Renewal of insurance policies
What are the laws in Vermont regulating the renewal of insurance policies?...
440009-00
Consumer disclosures
What is the law that requires insurance policies to contain consumer disclosures in Vermont?...
440021-00
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?...