Errors and omissions (E&O)

Where agency E&O claims come from

The classic triggers are failure to procure coverage the client asked for, failure to offer or recommend coverage a reasonable agent would have raised, and administrative slips: a missed renewal, an unprocessed change request, wrong information keyed into an application.

An alleged error may not become visible until a later claim or dispute. A clear record of the client's request, the options presented, instructions received, and completed actions helps the agency reconstruct what happened.

Keep a clear record of the work

Standard E&O hygiene is documenting what was offered, what was declined, and when. A signed rejection when a client turns down a recommended coverage, activity notes in the management system, and confirmations for every change request.

Re-keying between systems is where errors breed. Every time a limit or a VIN is typed twice, there is a chance it is typed differently, and a transposed number on an application is exactly the kind of mistake that becomes an E&O claim after a loss.

Automation still needs a review trail

When software prepares an application, retain the source documents, unresolved questions, and the reviewed version. Check the important facts before use. Replacing manual entry changes the preparation step; it does not remove the agency's responsibility for its work.