Author Archives: Curt Pearsall

All good things must end

After 9 years of providing E&O tips to help agents, it is time to call an end. I have thoroughly enjoyed blogging and hope that I helped in some manner to enhance the E&O culture and commitment of your agency … Continue reading

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Want to know your E&O Culture ? Ask your staff

As we approach the end of 2018, I encourage every agency to set a 2019 goal (or two) that will enhance their E&O culture. This will enable the agency to continue to make progress on building a stronger culture to … Continue reading

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Thank you….Thank you….Thank you !

When I joined the insurance industry 44 years ago, little did I know that my insurance career would be as rewarding as it has been. While I hope that I have made a difference, for me probably the most rewarding … Continue reading

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Your aggregate E&O limit – are you giving it the proper attention?

Ask most agencies what their E&O limit is and they will typically provide you with the per claim limit. And without a doubt, this is an important number especially in light of the increasing severity (cost of a paid claim) … Continue reading

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How would you feel if one of your files was involved in an E&O claim?

First, it is important to point out that just because one of your files became the heart of an E&O claim, this does not mean you did anything wrong. An agency can do all the right “best practices” and still … Continue reading

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A key issue in your legal liability standard

Many agencies are apparently not totally aware of the exact legal standard they are going to be held to. Unfortunately, the time they actually become aware of it could be the time that they are facing a claim from one … Continue reading

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E&O, D&O, Cyber and EPL – what do they have in common?

The one major issue they all have in common is that there is no uniformity in the various carrier policy forms. Each carrier has their own issues which makes them different. The difference could be a good thing…it could be … Continue reading

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Are your clients vulnerable to social engineering claims?

With few exceptions, most businesses are vulnerable. What exactly is “social engineering”? In the context of information security, it is defined as “the use of deception to manipulate individuals into divulging confidential or personal information that may be used for … Continue reading

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What are your 2019 E&O goals?

As we start the month of October, this is the time where most agencies are giving serious thought to their goals and objectives for the upcoming year. While this will most certainly include those goals dealing with premium volume, new … Continue reading

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