You may be trying to access this site from a secured browser on the server. Please enable scripts and reload this page.
Turn on more accessible mode
Turn off more accessible mode
Skip Ribbon Commands
Skip to main content
Turn off Animations
Turn on Animations
My Big I New York Roles
Become a Member
Contact Our Team
National Big "I"
Personal Umbrella Policy
Independent Market Solutions
Workers’ Comp Program
Home Business Insurance
Big “I” Markets
Insurance For Your Agency
Cyber / Privacy
Government & Regulations
The Hiring Process - Step by Step
Post a Job
Cybersecurity Support (LCG)
Virtual Risk Consultant
Ask An Expert (VU)
Find An Agent
Find a Class
Annual E&O Seminar
New Hire Training
Access Your CE History
The E&O Report
The E&O Report
2020 Issues - The E&O Report
2019 Issues - The E&O Report
2018 Issues - The E&O Report
2017 Issues - The E&O Report
2016 Issues - The E&O Report
2015 Issues - The E&O Report
2014 Issues - The E&O Report
2013 Issues - The E&O Report
2012 Issues - The E&O Report
2018 Issues - The E&O Report
Issues from 2018 are listed below. Issues from previous years can be accessed in the toolbar to the left.
December 2018: The Article 78 Challenge to NY Insurance Regulation 187
In this issue of the E&O Report we will review some of the key elements of the First Amendment to NY Insurance Regulation 187 and the various legal arguments that have been made concerning why the Amended Regulation should be annulled.
November 2018: Beware of Those Gaps in Coverages
The risks from gaps in insurance coverage is an E&O issue that unfortunately arises all too frequently for insurance agencies and brokerages. There are, however, some steps that insurance agencies and brokerages can do to prevent this type of problem if they follow some simple guidelines in how they deal with their customers. In this issue of the E&O Report we will discuss some practices and procedures that you should keep in mind to help prevent potential E&O problems related to gaps in insurance coverage for your customers.
October 2018: Insurance Issues for Students Away At College
When children leave home for college, their parents want to do everything they can to make sure that they are safe and protected. One issue that they may not think about, however, is the insurance coverage necessary to protect the college student living away from home. In this issue of the E&O Report, we will review some of the coverage considerations that insurance agents and brokers should discuss with customers who have a child away at college.
September 2018: The Long History of the E&O Report
Agents and brokers often tell us that one of the most important E&O loss control resources that is available to them as Big I NY members is The E&O Report. The very first issue of The E&O Report was published by Big I NY (which at that time was known as the Independent Insurance Agents Association of New York, Inc.) almost 30 years ago, in November 1989. Since then, over 330 issues of The E&O Report have been published. The E&O Report has most often been used during the past 3 decades to bring attention to legal issues and trends that affect agencies and brokerages. This issue is dedicated to the long history of The E&O Report.
August 2018: Additional Follow-Up to Questions Asked During the Annual E&O Telecast Seminar
During the telecast seminar, we received an exceptionally large number of questions from the attendees. Since we were unable to answer all of the questions submitted during the telecast seminar, we devoted the July issue of The E&O Report to respond to some of the unanswered questions. Due to the large volume of questions, we will also answer some in this August issue of The E&O Report.
July 2018: A Follow-Up to Questions Asked During the Annual E&O Telecast Seminar
During the telecast of the E&O Loss Control Seminar, we received a large number of questions from the attendees. Since we were unable to answer all of the questions submitted during the telecast seminar, we will devote this issue of The E&O Report to respond to some of the unanswered questions we received.
June 2018: NY Insurance Law Provisions That are Often the Basis for Violations Found Against Agents and Brokers by the DFS
One of the topics covered in depth at this year’s annual E&O seminars concerns the most common matters involving New York Insurance agents and brokers and the New York Department of Financial Services (“NYDFS”). So far we have presented the five live E&O seminars, and the telecast seminar that will cover all of the same topics, including the most common DFS matters, will be presented on June 6th. In case you are unable to attend any of the annual E&O seminars this year, we are devoting this issue of The E&O Report to a review of several sections of New York Insurance Law that the NYDFS frequently alleges have been violated by agents and brokers.
May 2018: The 2018 Annual E&O Loss Control Seminars
The annual E&O seminars provide important information regarding current trends and legal issues. Agents and brokers can attend the seminars in several different ways. In this issue of the E&O Report, we cover the content of during this year’s seminars, discuss when and where the seminars will be presented, and explain the 3 different ways you can attend.
April 2018: Permissible Activities of Unlicensed Employees
Many independent insurance agencies and brokerages rely upon customer service representatives (CSRs) and other unlicensed employees to assist in their day-to-day operations. In this issue, learn what tasks unlicensed CSRs may engage in and what tasks may only be performed by someone who is licensed in an agency or brokerage.
March 2018: Additional Insured Coverage
Tips on reducing E&O exposure for insurance agents and brokers handling additional insured issues on liability policies.
Questions about insurance coverage may spike during winter weather. Learn how to best handle questions to provide good customer service, help customers understand their coverage, and protect yourself against possible E&O claims.
Policy language can be open to interpretation. Agents & Brokers should be mindful of how critical terms are defined or undefined in an endorsement.