Ergonomics

Study of human characteristics for the appropriate design of living and working environments. Ergonomics attempts to ‘fit the job to the persons” through, for example proper lighting, furniture or equipment.

ERISA

An acronym standing for the 1974 Employee Retirement Income Security Act, which regulates certain employee benefit plans.

Errors and omissions

An alternative term for professional indemnity but often used to refer to the ‘newer professions’, e.g. advertising agents, the media, etc. The term also describes the insurance effected by Lloyd’s underwriting agents as required by Lloyd’s.

Errors and omissions clause

Ensures that the reinsurer is not relieved of liability if the reinsured has inadvertently made an error or omission in supplying risk information to the reinsurer. Errors and omissions must be corrected as soon as possible. Some E & O clauses apply to errors and omissions by either party. The aim is to place the parties in the position that would have existed in the absence of the error or omission.
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A provision in reinsurance agreements that is intended to neutralize any change in liability or benefits as a result of an inadvertent error by either party.