How does an employee’s name change effect their employer’sliability insurance?
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How does an employee’s name change effect their employer’sliability insurance?
I am a licensed insurance broker, and I am in the process of legally changing my first and last name. According to my company, until the name change is finalized, and until my broker license reflects my new name, I must include a line in the signature of my emails stating my license number, the initial of my first name, and my last name. I was told I must disclose this information to clients in all emails otherwise if the event of a claim, I wouldn’t be covered under the company’s liability insurance or E&O coverage. Is this true?
Asked on July 21, 2011 New York
Answers:
MD, Member, California Bar / FreeAdvice Contributing Attorney
Answered 12 years ago | Contributor
Yes it could be true because it has to do with insuring under many laws that you are who you say you are and that the people who insure you know you are indeed one and the same person. Oftentimes, as in let's say a passport application, if the names do not coincide with personal identification given, applications can be denied or rejected. In your situation, you should include a line in your signature showing that you are indeed the same person by showing at least your license number and something to indicate what your new name will be. E&O coverage is very specific and so if you are skeptical by your employer's actions, consider asking for a copy of the E&O insurance and/or asking your employer to show exactly where it states the names must match specifically.
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