The Agency Guide to COI E&O Defense

Seven mistakes that turn a certificate-of-insurance request into an E&O claim — and the specific workflow changes that take each one off the table.

• ✓Stale templates that survive a coverage change
• ✓Additional-insured wording that doesn't match the contract
• ✓Waiver of subrogation issued without the carrier endorsement
• ✓Expired certs that nobody caught at renewal
• ✓Description-of-operations language that creates phantom coverage
• ✓Missed notice-of-cancellation requirements
• ✓Audit trails that don't survive a deposition

Written for independent agency principals, COO/operations leads, and CSRs who own the certificate workflow. Not legal advice; not a substitute for your E&O carrier's guidance.