Articles by Curtis M. Pearsall

Pearsall is president of Pearsall Associates Inc., a risk management consulting firm. He is also a special consultant to the Utica National Agents E&O program. Phone: 315-768- 1534. Email: curtis@pearsallassociates.com.

E&O Risks When Writing Long-Term Care Insurance

As Americans do their best to plan for retirement, all it takes is a visit to a financial planner to realize the importance and value of long-term care insurance. The goal of purchasing it is two-fold: retaining as much of …

E&O Insights: The Specialty World of Long-Term Care Insurance

As Americans do their best to plan for retirement, all it takes is a visit to a financial planner to realize the importance and value of long-term care insurance. The goal of purchasing it is two-fold: retaining as much of …

E&O Risks When Insuring Commerical Property

It seems that every year commercial property is one of the top three lines of business generating errors and omissions (E&O) claims against agents. Because most agents insure a fair number of commercial buildings, this is an area in which …

E&O Insights: Insuring Commercial Property – What Could Possibly Go Wrong?

It seems that every year commercial property is one of the top three lines of business generating errors and omissions (E&O) claims against agents. Because most agents insure a fair number of commercial buildings, this is an area in which …

E&O Insights: Know the Details When Insuring Cargo

It’s important to know all of the details when looking to insure risks with a cargo exposure. Because no two risks are the same, the underwriter will look to the agency to provide those details to fully understand and underwrite …

E&O Insights: Keep Eyes Wide Open When Handling E&S

The excess and surplus lines market has been around a long time. It has served the insurance marketplace well, providing specialty coverage and writing tough-to-place risks. While activity in the E&S market is traditionally strong, as the market shows some …

Why Workers’ Compensation Leads in E&O Claims

Every year, errors and omissions (E&O) claims arising out of the placement of workers’ compensation account for approximately 10 percent of all claims. Many of those workers’ comp claims are well in excess of $100,000. Details of those claims show …

E&O Insights: Why Businesses Need Umbrella Protection

Umbrellas are apparently not as simple as many would like to believe because various issues involving umbrellas cause more than their fair share of errors and omissions claims. Due to the nature of umbrella coverage, the exposure can be significant …

E&O Insights: Why Workers’ Compensation Leads in E&O Claims

Every year, errors and omissions (E&O) claims arising out of the placement of workers’ compensation account for approximately 10 percent of all claims. Many of those workers’ comp claims are well in excess of $100,000. Details of those claims show …

E&O Insights: Social Media Can Be Your Friend or Foe

Effective use of the various forms of social media can play a huge role in the success of your business. Therein is the crux of the issue — “effective use.” To simply start using social media such as Twitter, Facebook, …