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... , perceptions, and some kind of activity are involved (especially binding any coverage), confirm this in writing to the client. You can use e-mail, form letters, handwritten memos, personally written letters, and so forth; but always cover your tracks. Attorneys trying to establish your negligence will always want to know how you handle and document understandings. They try to establish inconsistencies in the way that you and your staff perform different functions. In many cases, this alone is enough to make or break your case. ... just no reason not to document. 3. Always note telephone conversations in the file. Most agency computer systems, especially those that allow networking, document as activities, document telephone activities that indicate the nature and date of the call, in or out of your office. Instead of having to keep phone slips all over your desk (which can be lost), electronic mail and telephone systems enable you to call up all calls on your computer monitor; most of them also can maintain a phone log. When an important ... you don't know about, or if the building has features not considered, you might fail to advise the insured properly. Take photos of the front, rear, and sides of the property; if possible, take some inside. Diagram the premises and highlight any special processing. Have the insured walk you through and show you what the business does. Ask questions, and ask the carrier how they want to handle anything that seems unusual. If you just renew accounts "as is" by sending them back to the carrier ...

...h; but always cover your tracks. Attorneys trying to establish your negligence...ion by sending the client a reply card form evaluating your claims-handling practices. Have the card addressed directly to agency m...