Category Archives: Uncategorized

Have a great Thanksgiving holiday !

Posted on November 23, 2015 by Curt Pearsall

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

Posted on August 10, 2015 by Curt Pearsall

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

Posted on May 20, 2015 by Curt Pearsall

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?

Posted on March 9, 2015 by Curt Pearsall

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

Posted on March 2, 2015 by Curt Pearsall

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

Posted on December 22, 2014 by Curt Pearsall

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

Posted on November 24, 2014 by Curt Pearsall

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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Does your documentation include abbreviations?

Posted on October 27, 2014 by Curt Pearsall

During the course of every day, producers and CSRs / account managers will be faced with the need to document the various client / prospect conversations. This can certainly be a challenge regardless of whether the conversations are face-to-face or … Continue reading →

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E&O Insights: Don’t Let Insuring Restaurants and Taverns Give You Heartburn

Posted on May 5, 2014 by Curt Pearsall

This is an excerpt from an Insurance Journal article that I authored in the May 5, 2014 edition. “Virtually every town in the United States has a restaurant or tavern, so your pursuit of these risks is fairly likely. Unfortunately, at … Continue reading →

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Does “Obamacare” present some E&O concerns ?

Posted on April 10, 2014 by Curt Pearsall

There has been volumes written about the PPACA (Patient Protection and Affordable Care Act) but for agents and brokers, I am not sure that there has been a lot written about, what I think is, the increased E&O exposure. First, … Continue reading →

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