FYI Express
  • FYI Express: GA 07/25
  • Prelicensing Courses
    • GA 40-Hour P&C Agent Prelicensing
    • GA 40-Hour P&C Adjuster Prelicensing
    • GA 40-Hour P&C Counselor Prelicensing
    • GA 40-Hour P&C Public Adjuster Prelicensing
    • GA 40-Hour Life, Accident & Sickness Prelicensing
    • GA P&C Counselor Prelicensing
    • GA 20 Hour Limited Subagent Prelicensing
    • GA 20 Hour Personal Lines Agent Prelicensing
    • GA 20-Hour Surplus Lines Broker Prelicensing
    • GA 20-Hour A&S Prelicensing
    • SC Personal Lines Producer Prelicensing
  • Continuing Education Courses
    • GA 3 Hour Ethics CE
    • GA 5 Hour E&O CE
    • GA 5 Hour Watercraft CE
    • GA 10 Hour Limited Subagent CE
    • GA 24 Hour Life & Health CE
    • GA 24 hours Farm Insurance P&C
    • GA 24 hours P&C CE >
      • #8: Small Business Insurance
      • #14: Agency Management
      • #20: General Contractors
      • #21: Garage Insurance
      • #22: Trucking Companies
      • #23: Restaurant Insurance
      • #24: Day Care Centers
      • #25 New Agent Training
      • #26: Hotels
      • #27: Supermarkets
      • 24 Hour CE Exam
  • Agency Marketing Tools
    • Digital Handshakes using Zoom
    • 100+ Videos
    • Websites
    • Facebook Marketing
    • YouTube Videos
    • Custom Email Marketing
    • Google My Business Tutorial
    • Done For You Marketing
    • Promotional Videos
    • Google Business Profile Tutorial
    • Custom Lead Generator
    • Do It Yourself Marketing
    • The $100,000 Question
    • Free Promotional Videos
  • Agency Management Tools
    • Customer Service Tips
    • Employee Training
    • Customer Service Tutorials
    • Training for New Hires: Personal Lines
    • Training for New Hires: Commercial Lines
    • Training for New Agency Owners
  • New CSRs and Producers
    • Modern Family
    • Auto Insurance
    • Home Insurance
    • RC vs ACV
    • Stand Alone Policies
    • Insurance 101
  • How to insure Personal Lines
    • Georgia OCI
    • Modern Family
    • Auto Insurance
    • Residential Insurance
    • Stand Alone Policies
    • RC vs ACV
    • E & O Prevention
    • Ethics
    • Life Lessons
    • You Deserve a Break
    • Insurance Fraud
    • Here Comes the Judge
    • Customer Service Tips
    • Employee Training
    • Insurance 101
    • Coinsurance Clause
    • C.O.P.E.
  • How to insure Commercial Lines
    • Restaurant Insurance
    • Trucking Companies
    • Garage Insurance
    • General Contractors
    • C.O.P.E.
    • Coinsurance Clause
    • Commercial Lines 101
    • Small Business Insurance
    • "How To Insure" Tutorials
    • How to Insure Courses
    • Commercial Lines Training
  • New Agency Owners Guides
    • Agency Management
    • Is Your Website WCAG Accessible?
    • Customer Service Tips
    • Be a Better Agent eBooks
  • FYI Express: GA 07/25
  • Prelicensing Courses
    • GA 40-Hour P&C Agent Prelicensing
    • GA 40-Hour P&C Adjuster Prelicensing
    • GA 40-Hour P&C Counselor Prelicensing
    • GA 40-Hour P&C Public Adjuster Prelicensing
    • GA 40-Hour Life, Accident & Sickness Prelicensing
    • GA P&C Counselor Prelicensing
    • GA 20 Hour Limited Subagent Prelicensing
    • GA 20 Hour Personal Lines Agent Prelicensing
    • GA 20-Hour Surplus Lines Broker Prelicensing
    • GA 20-Hour A&S Prelicensing
    • SC Personal Lines Producer Prelicensing
  • Continuing Education Courses
    • GA 3 Hour Ethics CE
    • GA 5 Hour E&O CE
    • GA 5 Hour Watercraft CE
    • GA 10 Hour Limited Subagent CE
    • GA 24 Hour Life & Health CE
    • GA 24 hours Farm Insurance P&C
    • GA 24 hours P&C CE >
      • #8: Small Business Insurance
      • #14: Agency Management
      • #20: General Contractors
      • #21: Garage Insurance
      • #22: Trucking Companies
      • #23: Restaurant Insurance
      • #24: Day Care Centers
      • #25 New Agent Training
      • #26: Hotels
      • #27: Supermarkets
      • 24 Hour CE Exam
  • Agency Marketing Tools
    • Digital Handshakes using Zoom
    • 100+ Videos
    • Websites
    • Facebook Marketing
    • YouTube Videos
    • Custom Email Marketing
    • Google My Business Tutorial
    • Done For You Marketing
    • Promotional Videos
    • Google Business Profile Tutorial
    • Custom Lead Generator
    • Do It Yourself Marketing
    • The $100,000 Question
    • Free Promotional Videos
  • Agency Management Tools
    • Customer Service Tips
    • Employee Training
    • Customer Service Tutorials
    • Training for New Hires: Personal Lines
    • Training for New Hires: Commercial Lines
    • Training for New Agency Owners
  • New CSRs and Producers
    • Modern Family
    • Auto Insurance
    • Home Insurance
    • RC vs ACV
    • Stand Alone Policies
    • Insurance 101
  • How to insure Personal Lines
    • Georgia OCI
    • Modern Family
    • Auto Insurance
    • Residential Insurance
    • Stand Alone Policies
    • RC vs ACV
    • E & O Prevention
    • Ethics
    • Life Lessons
    • You Deserve a Break
    • Insurance Fraud
    • Here Comes the Judge
    • Customer Service Tips
    • Employee Training
    • Insurance 101
    • Coinsurance Clause
    • C.O.P.E.
  • How to insure Commercial Lines
    • Restaurant Insurance
    • Trucking Companies
    • Garage Insurance
    • General Contractors
    • C.O.P.E.
    • Coinsurance Clause
    • Commercial Lines 101
    • Small Business Insurance
    • "How To Insure" Tutorials
    • How to Insure Courses
    • Commercial Lines Training
  • New Agency Owners Guides
    • Agency Management
    • Is Your Website WCAG Accessible?
    • Customer Service Tips
    • Be a Better Agent eBooks
FYI Express

Take This 5 Question E&O Quiz

Errors & Omissions Prevention
Agency E&O Case: False Information, Forged Signature and Policy Exclusion
Errors & Omissions Prevention
  • Omission on a Certificate of Insurance Resulted in an Agency E&O Lawsuit 
  • An Agent Who Fails To Report a Claim Ends Up in Court 
  • Agent Wins in Court on an Excess Liability Claim 
  • Insolvent Insurer results in Agency E&O Claim
  • Agency Defeated in Court after it Omitted UIM on an Umbrella Policy 
  • E&O Tip on "Your E&O limit - some things you need to know" (561 words)
  • http://agentsofamerica.org/page.php?id=1494
  • E&O Tip on Account Reviews - is your agency at least making the offer?
  • http://agentsofamerica.org/page.php?id=1502
  • E&O Tip on Does your Homeowners Policy cover Social Media?
  • http://agentsofamerica.org/page.php?id=1509
  • E&O Tip on "Policy rescission - potentially your worst E&O nightmare?"
  • http://agentsofamerica.org/page.php?id=1522
  • E&O Tip on "Claims Made" vs "Claims Made & Reported"
  • http://agentsofamerica.org/page.php?id=1529
  • E&O Tip on "When a customer's signature didn't help"
  • http://agentsofamerica.org/page.php?id=1550
  • E&O Tip on "Do all of the employees in the agency know what is expected of them?"
  • http://agentsofamerica.org/page.php?id=1556
  • E&O Tip on "Breaking News Story - Insurance Carriers Are Suing Their Agents!"
  • http://agentsofamerica.org/page.php?id=1581
  • E&O Tip on "Have you looked lately how you are promoting yourself and your agency?" http://agentsofamerica.org/page.php?id=1593
I Bet the Named Insured Doesn't Own the Building! Have You Asked? 
Never assume the named insured owns the building. You need to ask what seems like a ridiculous question because ownership of the building may be held by another "person" related to the operation. The president of the corporation may own the building personally, but in his mind there is no difference. Not protecting the actual owner can create a huge gap in coverage.
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If you have never had an errors and omissions (E&O) claim – and hopefully you never will – you might have some misconceptions about E&O coverage and E&O claims. We’d like to clear up six that we come across frequently. Click Here for 2-page PDF
​AGENT SUED FOR PLACING COVERAGE WITH INSURER THAT BECAME INSOLVENT

​AGENCY SUED FOR NOT OFFERING EXCESS UNDERINSURED MOTORIST COVERAGE

​
  • 6 common causes of agents’ E&O claims
  • Add disclaimers to your quote proposals
  • Watch out when providing certificates of insurance (COI) for customers
  • Failure to obtain proper coverage
  • Failure to renew
  • Failure to notify of cancellation of coverage, replacing canceled coverage, and reporting of claims
  • What to do in the event of a claim

Errors & Omissions Prevention
  • Agency that provided misinformation about policy could be charged with Fraud 
  • Agency Prevails in “Full Coverage” E&O Lawsuit, However its Reputation Suffers 
  • Insurance Agency Prevails against former Client on Claim that Occurred after Non-Renewal ​
Insurance Coverage en Español
http://www.iii.org/es/insurance-topics/all-coverage-en-espanol
​Is Policy Language Always Sufficient?
Insurance policies are simply contracts and, when disputes arise, policy language is often relied upon to support arguments for or against coverage. This is a major reason why clear wording is very important. Court cases are a significant source that triggers changes in policy language. They may occur either through the impact of actual cases or indirectly through changes in law that have their origins in addressing wider spread situations on how insurance responds to certain types of losses. Examples involve confusion over water-related losses, concurrent causes of loss and confusion over how the word “insured.”
With regard to more parties being granted insured status, insurers recognize that coverage obligations should be extended under certain circumstances. However, carriers want to have sufficient knowledge of parties that they may be obligated to reimburse or defend against claims.

Click here for an excerpt of wording on “Who Is An Insured” found in the ISO Commercial General Liability’s coverage analysis in PF&M.
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E and O Prevention

E and O Prevention

Got Questions?
​I got answers!

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Eddie K. Emmett, 200 Russell Court, ​Canton, GA 30115