Source of Title Forums: Re: Liability over 1M?

Excellent explanation of the claims process and how E&O works. It is really surprising to me that so many people really don't understand their coverage.

One thing I would add... E&O is a 'claims made policy.' That means that if you let it lapse while you are searching for another insurer, you will not be able to get retroactive coverage. You may find that you have paid thousands in premiums every year and none of your prior work is no longer covered. As we all know, claims can show up years after the search; that retroactive coverage date is VERY important.

Best,
Robert A. Franco
SOURCE OF TITLE

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