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When someone makes a mistake in the publishing industry, the publication usually puts out a retraction correcting the error. Consider this article a retraction of past statements where I have consistently boasted that in 30 years as an insurance professional, neither my organization nor I have ever been involved in errors and omissions litigation. My premise was that avoiding E&O litigation was not a case of being lucky, but rather a case of being careful.

A case in which I am currently involved makes me realize that although avoiding E&O problems and legal proceedings takes skill, a little bit of luck does not hurt. Those of you who do not know me wouldn’t understand how difficult it is for me to admit that I was slightly wrong, but the fact is a certain amount of luck helps to avoid legal complications.

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