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 Insights: What to Consider When Buying or Selling an Agency

There is a tremendous amount of mergers and acquisitions activity going on in our industry. Every day, insurance news providers report on insurance acquisitions. The big agencies are not only getting bigger, they seem to becoming more diversified. There are …

E&O Insights: Use Caution When Moving a Customer From a Claims-Made to an Occurrence Form

From time to time, an account is moved from one form of insurance to another. The scenario could involve moving from a claims-made form to an occurrence form, or vice versa. Other scenarios could involve moving from a claims-made form …

E&O Insights: Why Your Agency Should Recommend Employment Practices Liability Coverage

Employment practices liability insurance (EPLI) has been around since the early 1990s, mostly due to the passage of the 1991 amendments to the Civil Rights Act. Some of the latest information noted on various websites puts the number of employment-related …

E&O Insights: Enhance Your Errors & Omissions Culture in 2012

As the end of 2011 approaches, this is a good time to reflect upon what went well and what didn’t during the year — as well as what changes you should make in 2012. Here are a few errors and …

E&O Insights: Enhance Your Errors & Omissions Culture in 2012

As the end of 2011 approaches, this is a good time to reflect upon what went well and what didn’t during the year — as well as what changes you should make in 2012. Here are a few errors and …

Can Claims Handling Cause an Errors & Omissions Claim?

The answer to the question posed in the headline is a definite “yes.” This has actually developed into a significant issue for agents and is one of the current errors and omissions (E&O) hotspots agents must be aware of. It …

E&O Insights: Can the Manner in Which an Agent Handles a Claim Cause an Errors & Omissions Claim?

The answer to the question posed in the headline is a definite “yes.” This has actually developed into a significant issue for agents and is one of the current errors and omissions (E&O) hotspots agents must be aware of. It …

E&O Spotlight: Insuring Commercial Properties? Important Issues to Watch For

Most agencies write some degree of commercial insurance. There is a good chance that insuring the building is part of the overall program for these commercial exposures. Unfortunately, as demonstrated by the following claim, numerous issues can occur with this …

E&O Insights: Advising Clients on Coverage Needs When Children Leave the Nest

With the college year again upon us, there is a good chance your agency has some clients whose children are heading off to school. Not only is this typically a busy time, it can also be an emotional time for …

E&O Insights: 15 Ways to Guarantee an Agency E&O Claim

Editor’s Note: This article originally appeared in Insurance Journal’s Satire Issue, August 15, 2011. The content in this issue is not real and is not to be taken seriously. It’s supposed to be humorous. Seriously. While most agencies want to …