When it comes to protecting your agency, you cannot settle for anything but the very best. 

That's why we offer policies from the top four E&O companies nationwide.

Every month, we work with agencies to see if we can offer them a better policy for their E&O coverage. The process is simple and it allows you to see where you stand with your current carrier -  and if we can do better. Who wouldn't want that information? 

Swiss Re E&O Application - UT

Get started by contacting Joye Kalmar for an application and estimate.

Keep in mind that you do not need to be a member to receive E&O coverage from the association.

E&O TIP: Are You Memorializing Conversations with Your Clients?

In the past, when a client would call with a question or a decision on a coverage, the agency standard was to document that discussion in the agency file. Nothing more, nothing less.

Today, that is not enough. While these discussions should be documented in the system, they should also be memorialized back to the client in a written format – by email, letter, etc. Without some form of documentation that confirms or memorializes the discussion to the customer, it will be the agency’s word vs. the client’s word if an uninsured loss occurs. You might be surprised about what a client will say in such instances.

The goal is to address any potential misunderstandings between what the customer told you – or thought they told you – and what you heard. Simply documenting the conversation in the agency management system does not help to identify a misunderstanding.