Category Archives: Uncategorized

Happy Thanksgiving to all !!

For 43 years (and still going strong), I have been blessed to work in the insurance business. From my early days as a door-to-door salesman to the 6 years at an agency to the carrier side to today, I can … Continue reading

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Are you making notes on your proposals?

Typically, when producers review the proposal with the prospect / client, as the discussion evolves, and decisions are made, the producer will make notes on the proposal. The notes could involve requests for additional information, coverages accepted / rejected, etc. … Continue reading

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“I’m the expert on insuring…….”

In my posting of September 5th, the issue of the legal standard was addressed. This is the basic standard that largely shapes the final resolution of most E&O litigation. There is, however, an element entitled “special relationship” that has the … Continue reading

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Have a great Thanksgiving holiday !

For 41 years (and counting), I have been blessed to work in this great business. As I reflect back on those 41 years, there are many things that have made this business very special. #1 is you, the people. I have … Continue reading

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Questions regarding certificates of insurance

As I have cited in the past, certificates of insurance are causing a fair amount of havoc and resulting in E&O claims as certificate holders rely on the contents of an improperly executed certificate form. Some E&O carriers are indicating … Continue reading

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When Dogs Bite, Home Insurers Pay Average $32,000

As you know, I have dedicated a number of articles to the subject of dog bites and the potential that when coverage is limited or not provided under the homeowners policy, E&O claims can occur. As noted in the attached article … Continue reading

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How often is your agency having staff meetings?

First off, I am not talking about those informal meetings where the manager comes on the floor and asks everyone to gather around for a quick meeting. While those are necessary, it is debatable how productive they are since it … Continue reading

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Retro Date – a key term with professional liability

In evaluating E&O claims statistics, in most situations, E&O claim frequency from the sales and service of professional liability typically generates around 10% of the claims. However if one were to look at the severity (the dollars paid out in … Continue reading

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Happy Holidays to you and your families

This is a very special time of year and I certainly hope that this Holiday season allows each of you to spend time with family and friends. Be sure to let them know how special they are in your lives. … Continue reading

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Happy Thanksgiving to you and your families

At this time when we reflect on what we are thankful for, I would like to personally thank each and every one of you for what you do every day. As someone who was at the agency side at the beginning of … Continue reading

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