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https://completemarkets.com/Article/article-post/2093/DON%E2%80%99T-COUNT-ON-THE-SURPLUS-LINES-MARKET-TO-SOLVE-YOUR-PROBLEMS/
...ied the claim on the basis of an Assault and Battery exclusion. The agent gav...a National Insurance Co. E&O Bulletin and is reproduced by permission.
https://completemarkets.com/Article/article-post/238/The-Hard-Market-An-E-O-Perspective/
...Liability had total exclusions on assault and battery, be sure you explain this to t...ng a professional job for your clients and your carriers is the best way to protect all parties and sets your agency apart as a professional and ethical entity.
https://completemarkets.com/Article/article-post/933/ISOS-EMPLOYMENT-RELATED-PRACTICES-LIABILITY-POLICY/
...arassment' offense, other than an assault or battery. This exclusion specific... coverage as interpreted by the author and is not a legal analysis or recommen...
https://completemarkets.com/company/CompleteMarkets/Articles/content-package/IMMS-Library/TabCategory/article-post/238/The-Hard-Market-An-E-O-Perspective/
... business decision, and then confirm this decision with them in writing. On the E&S side, when you get a proposal from the broker, review the limitations and exclusions carefully. Be sure you understand them so that you can go through them with the client. For example, if you were writing a risk that served alcohol and the Liquor Liability and General Liability had total exclusions on assault and battery, be sure you explain this to the insured. It's best to have the E&S broker provide a copy of the exclusion endorsement so that you can go over it with the insured. We've seen a number of E&O cases in which the agent (according to the client) assumed the client had read the proposal and never brought up the exclusion. Of course ... client specifically remembered telling the agent that they needed the coverage and the file wasn't documented. There are a number of initiatives that you might take to protect yourself and your client in this process. Take extra precautions and be aware that you have a very real exposure that might impair your ability to operate. The market has changed significantly. Business as usual won't suffice. Communicate your agency policy to all agency staff and make compliance with the policy a condition of employment. Although this might seem harsh, doing a professional job for your clients and your carriers is the best way to protect all parties and sets your agency apart as a professional and ethical entity. Login or Register (for FREE) to gain access to thousands of other great articles. Need more reasons to join? Need insurance ...