Pet peeves
I seldom respond to articles, but Matthew Marrone's article, “When client dissatisfaction moves to E&O claims” (AA&B 10/09) addresses one of my pet peeves as an agent. In a perfect world, we could report all potential incidents that would result in a claim; but because of the subjective nature in the rating on professional policies, it is impossible not to consider future cost ramifications. I believe on occasion every agent tells a client something is not covered when in many cases coverage was available at some level and at some price. My clients who purchase this coverage are at risk on these claims made policies. It's about time that the trigger of coverage be made much more specific, i.e., any written demand for coverage so both agents and clients can feel more confident in their policies that they pay thousands of dollar for each year.
David W. Riley, AAI, CIC
John Andrade Insurance Agency Inc.
Warren, R.I.
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