Judging by some of the queries I've received, perhaps a few agents should follow their children and return to school this September.

Whether via email, text or in class, many begin a query with, "I know this is probably a stupid question, but…" Although normally the question isn't stupid, there are times when you find yourself thinking, "You know, that really was a stupid question." When such questions arise in E&O seminars, I feel sorry for any carrier representatives who might be in attendance, bemoaning the fact that no state allows immediate cancellation of the questioner's professional coverage.

This is not a screed against anyone who lacks the experience to know what everyone else might think is a no-brainer detail. No, grasshopper, I speak of those who, to use the precise academic term, are "coasting." Coasters wouldn't know a coverage form if it bit them; and worst of all, they think taking a wild guess is perfectly valid coverage analysis.

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