Placing a client's risk with a carrier that you trust will be there when a claim must be paid should be the paramount concern of every agent and broker. Yet some producers seem to forget this when it comes to buying their own errors and omissions coverage.

For some members of the Professional Insurance Agents of Florida, failing to do their homework proved to be a major error in judgment and underscored what they tell clients–let a professional do the work.

“We are telling agents, make sure you do your due diligence. Investigate the carriers just like you would do for your customers,” said Jeanie Hardy, E&O agent for the PIA of Florida.

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