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Legislative/regulatory issues
Fiduciary obligations
What are New Hampshire’s rules concerning the establishment of a premium trust account?
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 this without it being considered rebating?
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 individuals won more than $25?
Rebating—gift cards
Can I give out gift cards to prospective clients for allowing my agency to quote their business?
Family Leave Act—who pays?
I would like clarification on the Family and Medical Leave Act of 1993. Who pays for the employee’s medical coverage if the employee takes a leave under this federal act?
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. report to the agent of the client?
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 received until after the date of cancellation, can the carrier cancel the policy?
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?
Subpoenas
I just received a subpoena in connection with policies placed on behalf of my client. What is it and how should I respond?
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 of a pay period, can I have them work less in the second week in order to avoid paying overtime?