Professional Liability

An agency frequently insures rental properties where the ownership structure is not straightforward. How much guidance should the agent give on how the named insureds should be listed?

What wording should an agency use in the Description of Operations field? Should an agency include additional insured status and waiver of subrogation by default, or only when the insured asks?

In today’s personal lines environment, operational challenges are not just business hurdles; they can also translate into rising errors & omissions exposure for independent agents.

If a certificate of insurance (COI) holder is shown as an automatic additional insured when required by contract through a blanket additional insured endorsement and the coverage is cancelled, does the agent need to notify the certificate holder of the cancellation?

Carriers offering product liability coverage are now taking into account factors such as the impact of any ongoing and proposed tariffs on the manufacturers and distributors of products, which may force manufacturers to change suppliers.

A manufacturer sold a division of the business. Is discontinued products liability necessary, or will the ongoing CGL cover the liability for the products manufactured and sold before the sale?

As the directors & officers (D&O) market shifts from soft to hard, it is a prime time for independent agents to identify emerging trends and changing exposures for their clients.

While D&O and cyber liability policies offer distinct coverage differences, many companies mistakenly believe they do not require separate policies.

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

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.