{"id":3336,"date":"2024-02-14T12:41:45","date_gmt":"2024-02-14T12:41:45","guid":{"rendered":"https:\/\/www.insurancebee.com\/blog\/?p=3336"},"modified":"2024-04-26T10:43:36","modified_gmt":"2024-04-26T10:43:36","slug":"common-insurance-agents-claims","status":"publish","type":"post","link":"https:\/\/www.insurancebee.com\/blog\/common-insurance-agents-claims","title":{"rendered":"What are some common insurance agents\u2019 claims?"},"content":{"rendered":"
\n
\"An<\/figure>\n<\/div>\n\n\n

<\/p>\n\n\n\n

Insuring other insurance agents can be tricky. After all, aren\u2019t they the ones that are supposed to be providing insurance to everyone else?<\/p>\n\n\n\n

Well, yes, they are. But when the US insurance agent industry<\/a> manages over $1 trillion of insurance premiums every year<\/a>, having your own Errors and Omissions (E&O) cover in place is a necessity.<\/p>\n\n\n\n

It\u2019s also important to remember that insurance companies make mistakes too. Just like everyone else. So it\u2019s extra important that insurance agents cover their own backs.<\/p>\n\n\n\n

But what do those mistakes look like? In other industries, claims like theft, fire, flood, accidental damage, and personal injury are common. Is this the same in the insurance industry?<\/p>\n\n\n\n

The best way to answer these questions is with some examples of insurance agents\u2019 E&O claims. <\/p>\n\n\n\n

(Any names and companies in these examples have been changed.)<\/p>\n\n\n\n

<\/p>\n\n\n\n

Common claim #1 \u2013 Failing to pass on a claim to the insurer<\/strong><\/h2>\n\n\n\n

Insurance agents work with loads of different insurers to find their clients the best deal.<\/p>\n\n\n\n

When it comes to making a claim on their insurance, though, a breakdown in communication can lead to a big problem:<\/p>\n\n\n\n

Brett has business insurance through his local insurance agent. After a difficult contract goes wrong with a client, he\u2019s sued for professional negligence.<\/em><\/p>\n\n\n\n

He immediately calls his agent and starts a claim. After going through all the details, his agent says that he will speak to his insurer to continue the process.<\/em><\/p>\n\n\n\n

Two weeks go by and Brett hasn’t heard anything from his agent or insurer about his claim. As legal proceedings against him have started, he\u2019s had to find his own counsel and pay out of his own pocket.<\/em><\/p>\n\n\n\n

He calls his agent, who admits that a particularly busy day led to him forgetting to file the claim with the insurer.<\/em><\/p>\n\n\n\n

<\/p>\n\n\n\n

<\/p>\n\n\n\n

Our verdict: <\/strong>This delay caused a lot of stress for Brett, as well as some financial difficulties.<\/p>\n\n\n\n

Insurance agents are required to inform their client\u2019s insurer of a claim as soon as possible. If they fail to do so, a claim can be brought against them.<\/p>\n\n\n\n

In this case, Brett would be well within his rights to sue his agent for damages.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Common claim #2 \u2013 Failing to notify the policyholder about cancelation of their insurance<\/strong><\/h2>\n\n\n\n

In most cases, insurers can prematurely cancel policies for a variety of reasons.<\/p>\n\n\n\n

It could be as simple as non-payment. Or something more complex, like not disclosing key details, or the insurer suspecting the policyholder of fraud.<\/p>\n\n\n\n

Whatever the reason, insurance agents must notify the policyholder as soon as possible:<\/p>\n\n\n\n

Toby is an insurance agent. One afternoon, he receives an email from one of the insurers he works with.<\/em><\/p>\n\n\n\n

It\u2019s a notification that they\u2019re canceling one of his client\u2019s policies. Apparently, his client hadn\u2019t disclosed a previous claim, making his policy void.<\/em><\/p>\n\n\n\n

Toby knows he needs to inform his client of the cancelation immediately. But he\u2019s in the middle of a tricky situation with another client.<\/em><\/p>\n\n\n\n

He decides that he\u2019ll sort this problem out and then email his client about the policy cancelation.<\/em><\/p>\n\n\n\n

Unfortunately, he gets tied up for longer than expected and it takes him over a week to send the email.<\/em><\/p>\n\n\n\n

In that time, a claim has been brought against his client that would have been handled by his insurance. If it were still in place.<\/em><\/p>\n\n\n\n

After his client found out that his policy had been canceled the week before, he sued Toby for not informing him.<\/em><\/p>\n\n\n\n

<\/p>\n\n\n\n

<\/p>\n\n\n\n

Our verdict:<\/strong> Toby\u2019s landed himself in a lot of hot water in this example.<\/p>\n\n\n\n

He took far too long to notify his client of the policy cancelation. Because of that, his client wouldn\u2019t be covered for the claim that was brought against him in the meantime.<\/p>\n\n\n\n

If Toby had notified him immediately, he may have had time to find alternative insurance before the claim was filed.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Common claim #3 \u2013 Excessive claims delays<\/strong><\/h2>\n\n\n\n

Insurance companies face a lot of pressure to settle claims quickly. Failing to do so can leave policyholders in difficult situations.<\/p>\n\n\n\n

It\u2019s easy to understand why. As a business insurance policyholder, a slow claims process could mean the difference between your business succeeding or failing:<\/p>\n\n\n\n

Katie has professional indemnity insurance through an insurance broker.<\/em><\/p>\n\n\n\n

After a particularly difficult contract with a client, she receives notice that her client is suing her for negligence.<\/em><\/p>\n\n\n\n

Katie immediately contacts her broker to start an insurance claim. She knows that she can\u2019t afford to pay the legal fees to fight the claim, let alone any compensation she might owe.<\/em><\/p>\n\n\n\n

Unfortunately, the claim is misfiled by her broker. This leads to a delay in the claim being handled.<\/em><\/p>\n\n\n\n

After waiting for six weeks and endlessly following up with her broker, no progress has been made. She can\u2019t delay the legal proceedings any further, so has to settle out of court to avoid piling on even more legal fees.<\/em><\/p>\n\n\n\n

This costs her business dearly and leads to many stressful days and sleepless nights.<\/em><\/p>\n\n\n\n

After complaining to her broker, it turns out that the claim wasn\u2019t misfiled. Her broker had just neglected to file it with the insurer for over a month.<\/em><\/p>\n\n\n\n

Katie sues her broker for an excessive delay in handling her claim.<\/em><\/p>\n\n\n\n

<\/p>\n\n\n\n

<\/p>\n\n\n\n

Our verdict: <\/strong>A claim taking a long time doesn\u2019t always mean negligence. <\/p>\n\n\n\n

There are times when a claim can take a while because of its complexity, or there are delays in getting the information to settle it.<\/p>\n\n\n\n

There\u2019s a reason claims like this are so common, though: because it happens a lot. For insurance agents, it’s always better to be proactive and communicate well when it comes to claims. Even if they do end up taking longer than expected. Or mistakes are made.<\/p>\n\n\n\n

<\/p>\n\n\n\n

How insurance can help with insurance agents\u2019 claims<\/strong><\/h2>\n\n\n\n

Insurance agents’ claims, like the ones above, can cost you a lot of time and money. Especially if you don\u2019t have the proper insurance agents\u2019 coverage in place<\/a>.<\/p>\n\n\n\n

Errors and omissions insurance can pay for your legal fees if you’re hit by a claim, whether you\u2019re at fault or not. So that a mistake doesn\u2019t leave you with a massive bill.<\/p>\n\n\n\n

Find out more about your E&O insurance for insurance agents<\/a> options. Or give us a call at 978.344.4215<\/strong> if you have any questions.<\/p>\n","protected":false},"excerpt":{"rendered":"

Insuring other insurance agents can be tricky. After all, aren\u2019t they the ones that are supposed to be providing insurance to everyone else? Well, yes, they are. But when the US insurance agent industry manages over $1 trillion of insurance … Read more…<\/a><\/p>\n","protected":false},"author":11,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[26,64,30,56],"tags":[32,137,69,12],"class_list":["post-3336","post","type-post","status-publish","format-standard","hentry","category-errors-and-omissions","category-professional-liability","category-small-business-insurance","category-smb-advice","tag-help-with-insurance","tag-insurance-agents","tag-professional-liability","tag-small-business-insurance"],"yoast_head":"\r\nWhat are some common insurance agents' claims?<\/title>\r\n<meta name=\"description\" content=\"Insurance agents' claims are as numerous as they are time consuming. 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