By contrast, as University of Texas law professor Lynn Baker prepared to begin her scheduled talk on "ethical and liability issues in group litigation, " 30% of the audience headed for the ballroom exit.

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It is on the condition that the group of business owners ensures public liability insurance is in place.

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Ken Goldstein, the worldwide media liability expert at Chubb Group of Insurance Companies, says that all companies should have a policy in place for how their employers can talk about the company on social media, and that they should be training employees to understand defamation, privacy, and intellectual property.

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Khalid and his four brothers inherited NCB upon their father's death in 1994, and a 21% stake was sold to a group of private investors when the bank morphed from an unlimited liability private partnership into a joint stock company.

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German savings banks and mutual banks are used to the idea of mutualised guarantees: they have formed joint-liability groupings, which vouch for the solvency of each bank in their group.

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For well-heeled firms like Aventis, a pharmaceuticals and agribusiness group, this poses little problem even though in 2001 the company's pension liability was half as much again as its earnings before interest, tax, depreciation and amortisation.

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Some aggrieved group begins to complain: gas prices are too high, beef prices too low, liability insurance too burdensome, there's a salmon surplus driving coho prices down.

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Rockefeller is among a small group of Democrats who have joined Republicans in backing an overhaul of the nation's product liability laws.

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But the liability is far less than speculated in the market, with rumors circulating that the group's investment arm was nursing a much larger black hole in its finances.

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