An agency was sued by its customer, a boat manufacturer, because the manufacturer had an EPLI claim but no EPLI coverage.  The boat manufacturer was seeking reimbursement of attorney fees spent to defend the claims and the amount paid to the claimant to settle the manner.  The combined amount the manufacturer was suing the agent for was well over $100K.  After reviewing the agency’s customer file the attorney found that the proposal had clearly listed the fact that the policies available had no EPLI coverage.  In addition to clearly listing in the proposal that the coverage available did not provide EPLI coverage, the agency had the customer sign and date the proposal and also had the customer initial each page.  This documentation got the lawsuit dismissed.  Is your agency offering all of the coverages to meet your customers’ exposures and documenting rejections according?