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E&O Angles 2007
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1 November 2007
Above and Beyond. When Web Sites Create Additional Duties
In today’s competitive market, every agency wants to distinguish itself from its competitors. Consumers are increasingly computer-savvy, so you may decide to advertise your agency’s services on a Web site.
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1 June 2007
Certificate of Insurance. Not Just a Piece of Paper
Certificates of insurance are not the simple documents they might seem. Their issuance is not a simple clerical task carrying little risk of involving an insurance agent in a potential liability claim. In fact, quite the opposite is true...
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1 July 2007
Examine Excess Flood Insurance to Keep Tide of E&O Claims Low
Excess flood insurance is flood coverage that is available in excess of the limits offered by the National Flood Insurance Program limits of $250,000/$100,000 for homeowners and $500,000/$500,000 for commercial properties.
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1 February 2007
Say What You Do, Do What You Say
What happens if your office is closed for the weekend and a fax requesting to bind coverage sits until the agency’s regular business hours? How should your agency handle a scenario like this...
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1 September 2007
UM/UIM Coverage: Headaches and Opportunities
In 1927, Massachusetts enacted the first law requiring drivers to purchase auto liability insurance. Subsequently, 47 states and Washington, D.C. have enacted compulsory auto insurance coverage laws...
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1 March 2007
Workers Compensation. Know Your Client Geography
The more complicated the coverage, the greater the possibility a mistake can potentially result in an E&O claim against the agent.
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1 -January 2007
Avoiding Liquor Liability E&O Claims
Agents who write coverage for establishments such as bars, restaurants, bowling alleys, liquor stores, convenience stores, private clubs, marinas and other establishments that serve alcohol need to be familiar with liquor liability coverage.
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1 August 2007
ERISA Health Plans. Seller Beware
The familiar warning caveat emptor (buyer beware) certainly applies to those shopping for affordable health coverage for themselves and their employees. The marketplace is filled...
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1 April 2007
Navigate Surplus Lines Market Liability
There are many reasons why some risks are unacceptable to standard lines carriers. Standard lines carriers do not favor clients with adverse loss histories. Most shy away from startups in certain higher-risk industries...
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1 May 2007
The Simple Made Complicated. Certificates of Insurance
A certificate of insurance is a document generally provided to a third-party as a snapshot of the insurance carried by a particular insured at a specific point in time. It is nothing more than that...
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1 December 2007
What Agents Say vs. What Customers Hear
A well-known “Far Side” cartoon by creator Gary Larson answers an ancient question in two simple panels: one entitled “What we say to dogs” and the other “What they hear.”
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