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In most agencies, holding customers accountable seems to be one of the bigger frustrations. Have you ever thought or said "why is it always our fault when a customer has a loss that is not covered? They knew that they didn't have that coverage." For agents serious about minimizing the potential of their agency facing an E&O claim, achieving a high level of customer accountability is a great goal to strive for. To achieve this goal may require some hard work and some new initiatives. Documentation is a key but documentation is more than just words in the system. Any agency will be hard pressed to hold their customers accountable without a file that is well documented. However, documentation by itself will not get it done. Agents need to fully understand that when an E&O claim happens, the E&O carrier will look to secure the actual file in question (paper or electronic) to see what it looks like and what it contains. Solid documentation that is handled promptly, is accurate and professional will make the E&O carrier's job much easier. Conversely, a file with sketchy documentation could prove to be a problem in an E&O matter. Effective handling of client interactions is very important. Every day, customers are asking questions, modifying coverages, etc. The questions (and the answers provided) should be fully documented in the agency management system. In addition, requests to delete or decline coverage or to modify coverage in some manner should be documented as well. But documentation only in the system may not be enough. The agency should have a procedure for confirming / memorializing the discussion. Without this, mistakes can occur. Possibly, what the agency heard is not what the customer requested or possibly what the customer advised is not what they really meant. Let's take the scenario that the agency has provided a personal lines umbrella proposal and the customer calls to advise your agency that they are not going to purchase this coverage. W

As winter approaches, many people will take their snowmobiles out of the garage and prepare for an exciting adventure. Snowmobiling is a popular hobby during the winter season. However, it's important that you adhere to all safety guidelines before enjoying some fun time in the snow. Operating a snowmobile comes with significant risks. One wrong move can have serious consequences. Here's a look at some important snowmobile safety tips to ensure that you have a safe ride during the winter.

Now more than ever, working professionals, businessmen and entrepreneurs are at a high risk of developing a slew of lifestyle diseases. The news is quick to report incidents of heart attacks, cancer and strokes among people as young as 35 years of age

Critical illness insurance provides financial protection to individuals who suffer from serious illnesses such as cancer, heart attack, stroke, and organ failure. Our insurance pays out a lump sum amount that can be used to cover medical expenses, loss of income, and other related costs. It is important to consider critical illness insurance as a safety net, especially for individuals who may not have sufficient savings to cover unexpected medical expenses. Feel free to contact us anytime!