Hartford Financial Services Group Inc. posted a first quarter net income loss of $1.2 billion and said it will respond to the economic downturn by curtailing international sales and changing its variable annuities.

Now is the perfect time to build/rebuild/reinforce those great relationships you always have wanted with your clients. Learn three of the possible coverage-based conversation starters.

The agent or broker who lies to a potential insured risks E&O claims for fraud or negligent misrepresentation. Read about Turner v. Milliman for more insight.

Employees simply cannot relate to the speed from gloriously good times to the shock of sudden unemployment. This shock quickly turns to resentment, which leads them straight to the Equal Employment Opportunity Commission.