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Tour operators' waivers generally protect agencies but exceptions exist; consider creating a specific disclaimer to ensure clear non-liability for incidents during trips.
If there is a contract between another agency and an employee, then the employee's pre- and post-termination duties should be spelled out in the contract. The same goes for an IC.
With the ongoing Israel-Hamas conflict, Mark Pestronk answers questions about an agency's legal responsibilities and an operator's rights.
If you open a trust account just for clients’ funds, you cannot state or even imply that the funds are protected unless you take certain steps that I will cover here.
You probably do need a privacy policy, but it’s not hard to create one.