CAN-SPAM Act: A Compliance Guide for Business
Do you use email in your business? The CAN-SPAM Act, a law that sets the rules for commercial email, establishes requirements for
commercial messages, gives recipients the right to have you stop emailing them, and spells out tough penalties for violations. But follow-
ing the law isn’t complicated. Here’s a rundown of CAN-SPAM’s main requirements:
Don’t use false or misleading header information.
Don’t use deceptive subject lines.
Identify the message as an ad.
Tell recipients where you’re located.
Tell recipients how to opt out of receiving future email from you.
Honor opt-out requests promptly.
Monitor what others are doing on your behalf.
How can I comment about the effect of the CAN-SPAM Act on my business?
The National Small Business Ombudsman collects comments from small businesses about federal compliance and enforcement
activities. To comment, call 1-888-REG-FAIR (1-888-734-3247) or visit www.sba.gov/ombudsman.
Lowry-Dunham, Case, & Vivien PRSRT STD
P. O. Box 430 U.S. POSTAGE
Slidell, LA 70459 PAID
Insurance Since 1901
TAX CREDIT - LA Citizens Insurance Assessment
The LA Legislature passed a law that allows policyholders to recover their insurance assessment in the form of a credit on
their tax return for the year in which you were or will be assessed by your insurance carrier for the LA Citizens Plan. For
non-profits that are exempt from filing tax returns, there is a form avail-able on the LA Dept of Insurance website to apply for
the credit. For more info see: http://revenue.louisiana.gov/ or speak with your income tax specialist.
If you are a business that requires certificates of insurance from anyone you should be aware that we have encountered a num-
ber of fake or altered certificates being issued. This could mean a substantial financial loss to you and you should check each
certificate carefully. A certificate should be sent to you by the insurance agency or company. If someone brings in a certificate
you should be highly suspicious. We suggest you call the insurance agency listed on the certificate to ascertain that it is au-
thentic. Those who alter certificates are subject to five years in prison or $5,000 fine or both. Please feel free to call
Lowry-Dunham, Case & Vivien should you have any questions.
Lowry-Dunham, Case & Vivien Insurance Agency
Vacate Your Premises, Void Your Coverage?
We all know that you can while renting a home is but move to a new residence,
Lowry-Dunham, rent part of your house on a one of the little known cov- leaving the old residence’s
Case & Vivien permanent basis and your erage loopholes. Other sce- homeowners policy in place
entire house on an occasional narios can trigger a cover- while the property is market-
basis and still have most of age gap: ed;
2001 First Street your homeowners coverage Renting a condo or seasonal Moving to a nursing home
Slidell, LA 70458 intact. But what if you rent home to others; for rehabilitation with or
(985) 643-1234 your entire house on a more Moving to a new home and without plans to return
Fax: (985) 646-0249 permanent basis? Clearly, leaving the homeowners home.
Toll Free: (800) 200-1258 there’s no liability coverage, policy on an existing home The grant of coverage under
but surely there’s coverage in place until closing on the Coverage A Perils Insured
if, for example your house sale is complete; Against is: the dwelling on
burns down…or is there? Being relocated by an em- the “residence premises.”
The issue of coverage gaps ployer and having to quickly And, “residence premises” is
Solar Panels defined as “the one family
Go Online: http://www.ldcv.com dwelling …where ‘you’ re-
If you are considering purchas- side and which is shown as
Use our easy-to-complete Personal Lines the residence premises in the
ing solar panels for your home or
quote request form on our Marilyn Fortenberry declarations.” If the insured
website. That’s all it takes to email@example.com no longer resides there, it
receive prompt quote Karon Swenson isn’t a “residence premises”,
commercial building, response. firstname.lastname@example.org and there is no coverage.
please advise this agency before We understand that it’s not Stephanie Ohler Courts are split on this issue
making your final decision. always easy to call between email@example.com so the only thing that is clear
the hours of 8:30 and 4:30, at this time is that this issue
Monday through Friday. Commercial Lines is unclear.
Visit our Website: Linda Beckwith Please contact us if you are
Help Us Help You firstname.lastname@example.org contemplating any of the
We are also available to you Gidget Connetti above changes and we will
Need to visit us? Call ahead and email@example.com endeavor to “clear” up any of
make an appointment. There’s via e-mail:
Cheri Damiens these gaps, if such exist.
NO WAITING! Certificate of Insurance
Sales Need one?
Please be aware though, that
We are ready to serve you upon Ann Marie Rouse Go online:
any requests for changes to www.ldcv.com
your arrival. firstname.lastname@example.org
You save time by allowing us to
your policy are not effective Vernon Gagliano It’s that easy.
until we send you a notice con- email@example.com
plan our work flow more effec- firming such. Cheryl Kelly
tively and efficiently.
Welcome Stephanie Ohler to LDCV .
Stephanie began her insurance profession in 1997. She earned her property & casualty insurance license in 1999 and her life insur-
ance license in 2003. She also obtained her Certified Insurance Service Representative (CISR) designation in 2010. She is currently
working as a personal lines account manager. We are delighted to have Stephanie as a part of the Lowry-Dunham, Case & Vivien
Lowry-Dunham, Case & Vivien Insurance Agency