How a policies and procedures manual protects your brokerage

作为经纪人, 你希望你的代理人的行为和你与他们的互动能带来成功的销售和交易. 然而，销售和谈判技巧几乎不足以让任何一方在经营你的企业时取得完全的成功. Today’s successful real estate practices require that communication, 预期, 为了让管理者和代理人取得成功，程序得到了充分的审查和落实.

的 Independent Contractor Agreement for Sales Associate (TXR 2301)和谅解声明(TXR 2302)本身并不足以为经纪公司建立规范和期望. 类似的, 典型的保险政策，2021十大正规彩票app公司可能拥有不包括发生在 内部 办公室的. 政策和程序手册可以填补这些空白，并帮助避免不幸的误解, 或者更糟.

Typical items of possible dispute include:

• 委员会的争议
• 不公平的, 非法, 或者歧视行为影响一个人成功的机会或在保险箱里练习的能力, 健康的工作环境
• Unauthorized professional services
• Failure to practice cybersecurity methods
• Inappropriate social media presence
• Improper marketing activities and more.

其中很少有保险通常覆盖，但仍可能导致复杂的诉讼, 失败的事务, and damage to relationships and reputations. 明确定义和文档化的程序可以最小化这些不幸的后果.

当涉及到错误和遗漏策略时，沟通期望也很重要. 通常,E&购买保险是为了保护公司和所有“代表公司行事”的人.” That wording is crucial because the policy will say something like, “Coverage is contingent on an insured (an agent or employee of the firm), acting on behalf of, and with the authority of, the Named Insured (the firm).这意味着，如果经纪商不希望公司的代理人提供物业管理服务或从事商业交易, 例如, 不管怎样，一个特工会这么做, coverage can be denied by the insurer.

但是，关于可接受的专业服务的信息是如何传递给代理的，如果有的话? If not presented formally to the agent as a documented policy, 如果物业管理服务导致诉讼，经纪人和代理人可能会发现自己处于困难和昂贵的境地. Other issues often excluded from E&O policies include commission disputes, the broker and agent suing each other, 雇佣行为，如骚扰或歧视(这有时可以作为对政策的认可), 欺诈(内部针对公司或外部针对第三方), and unauthorized tax or legal advice, which can happen when involved in foreclosed properties, 租户搬走, 或者抵押贷款违约.

General liability and cyber policies also have restrictions on coverage, 例如使用未经授权的网站或缺乏适当安全措施的电子邮件服务.

A well-conceived policies and procedures manual exceeds the language of the Independent Contractor Agreement and any other external requirements. 它应该包括:

• References to authorized professional services
• Who pays what amount of an insurance deductible in the event of a claim
• Use of personal computers or devices and cybersecurity management
• 佣金
• Office and professional etiquette, including harassment and discrimination
• Use of alcohol or substances when driving or in the presence of clients
• 公开携带枪支
• 代理和客户安全
• Open house procedures (especially during a pandemic)
• And other items related to your daily practice.

该手册应每年与每个团队成员进行正式审查，并应包括任何违反政策的后果.

Clear 预期 benefit all members of the firm. 咨询法律和保险顾问以确保没有违反任何法规或条例(包括独立承包商的地位)是有帮助的。, and to address any coverage implications. 即使是最常规的任务，也要为意想不到的事情做计划，这是很值得花时间的!