There is no such thing! Or there should be NO such thing. If you were at the E&O Plus Quality Management Seminar in September 2025, you know this caused quite a stir! What I found out at the pre-dinner gathering was that the two agency staff members...
Rather than relying on generic coverage, agencies must recognize that each client brings unique risks and expectations to the table. No single policy can address every situation, so it's essential to move beyond standardized offerings and instead evaluate the specific exposures and objectives of each...
During a recent agency visit, the communications director expressed concerns about employees posting on social media and potential liability for blog content. These are legitimate concerns. The E&O Plus Operations Manual addresses social media and other communication issues, such as texting and voicemail, on pages...
Our clients are constantly faced with contract requirements that are difficult or impossible to comply with. An agent has a client who has a prospective job that requires them to maintain insurance up to the state's 10-year statute of repose. I have seen this type...
I decided to write my blog on educating clients on coverage because no matter what part of the country you live in, it seems we wake up every morning to yesterday’s disaster. A couple of weeks ago, there were floods north of St. Louis in...
At its core, fraud is an act of deliberate deception intended to secure an unfair or unlawful gain. It occurs when applicants, policyholders, third-party claimants, insurance brokers, and providers conceal information or manipulate circumstances to benefit themselves, often at the direct expense of others. No...
I recently had a question from an agent regarding how much debris removal coverage a client needs. Debris removal expenses are unknown until after a loss, so it’s impossible to know how much is enough. I always say, “I don’t know how much coverage you...
One of your clients, Bob Smith, contacted you and said he is considering acting as a general contractor to build his new home. He feels he could save money and asks for your opinion. How do you respond? First, this could require a legal opinion, and...
Before I get on my soapbox about what agencies say about themselves, I understand our duty. In most states, it is an agent’s duty to procure the coverage requested within a reasonable time or to otherwise inform the prospect/client of the inability to do so....
According to Forbes Advisor, roughly 10 million university students returned to campus in the fall of 2024, and an additional 3.2 million were enrolled as graduate students. Preparing for college is an exciting yet challenging milestone for parents and their kids. They focus on navigating...