Technical Knowledge

​One of the largest errors & omissions exposures for insurance agents and agencies occurs during the placement of personal or commercial auto policies.

A mound system drain field failed, but the carrier denied the claim because piping wasn’t damaged.

After a fatal accident in which the victim was hit by an underinsured driver while driving an unlisted tractor, the carrier says uninsured/underinsured motorist coverage does not apply.

Inadequate limits are an all-too-common claim in independent insurance agency E&O. And with inflation today outstripping even the inflation guards inserted on some policies, these claims are becoming more frequent.

To grant a permit for a driveway, the county is requiring the property owners to add the county as an additional insured, which the carrier won’t do.

Here’s how to explain to a client when a fellow employee endorsement would be triggered.

You and your customers have been battered these past few years by various catastrophes of near-biblical proportions. Your customers don’t just want a good year, free of missing coverages and underinsured losses. They need it.

Does a host liquor liability coverage amendment in a business owners policy respond when the insured pays for a hosted bar at regular events?

An insured’s client keeps rejecting certificates of insurance (COIs), stating they need to apply additional insured status to all persons or “indemnified parties” instead of limiting that status to persons with whom the parties have a contract.

Why would premium be charged on values that exceed the limit of coverage?