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You Need Coverage Too! A Primer on Insurance Agent E&O

By: Elizabeth Sedlock | Posten on: Jan 27, 2012 8:37:00 AM

You’ve all heard of E&O insurance.  Some of you sell it to your clients.  Most of you are probably required to carry it.  It is important to make sure you know what you are getting when it comes to E&O for insurance producers, whether it be your own, or for a client.  Insurance Agent E&OEven the most thorough and diligent individual can make a mistake or be accused of such. 

Proper coverage helps to protect you and your clients as well as your own operation.  Defense costs are included for you while providing monetary reimbursement to any wrongful error or omission. 

Even if a situation progresses to the point of litigation (and maybe it is dismissed at some point), the defense costs can add up quickly.   It is important to consider how one costly incident can affect your operation and whether the company can sustain it to continue services. 

To be an effective insurance agent, you must have an understanding of many insurance products, including your own, to deliver the best service to your clients.  Service sells in this industry, and the better protected and educated you are as an agent, the better protected and educated your clients become.  If a mistake is made (or an accusation of), you essentially become the insurer in the eyes of your client.  Common claims arise from accusations of negligence, breach of contract, non-disclosures, etc.. and this is why insurance agents are a lightning rod for E&O claims to their own policies.  Protection is pivotal. 

DID YOU KNOW? :  Insurance agents E&O is written on specialty form product lines which clearly address the unique exposures facing an insurance professional, much like that of a doctor, lawyer or architect.

DON’T FORGET:  Financial planning activities require additional underwriting and special endorsements in many cases.  If you are shopping coverage, remember to identify all relevant lines of your book to ensure proper protection in the event of a loss.

FUN FACT:  Insurance salespeople are continually rated near the bottom of the list when polls of ‘hated professionals’ are conducted.   Typically they are surrounded by lawyers, used car salesman, and IRS auditors in that category.   Providing exceptional service, arming yourself with product knowledge, and having the best interests of your clients in mind can help change this public perception.  Proper E&O is a part of the equation.   



Topics: insurance claim, mga, Miscellaneous Professional Liability, mga insurance, professional E&O, professional liability

December Agent Alert - Stuckey & Company

By: Elizabeth Sedlock | Posten on: Dec 1, 2011 9:50:00 AM
Stuckey Agent Alert
Safety TekAspire A&EHarbor GuardMPLElementServicerProPersonalCommercial

Holiday Greetings

As the Holiday Season is upon us, we find ourselves reflecting on the past year and on those who have contributed to the success of Stuckey & Co. in a most significant way. From the bottom of our hearts, we say "thank you" to all of you who have made it possible for us to continue to serve our clients in such a wonderful way.

Each of you has played a valuable role in the success of our agency. We look forward to creating even more success together over the next year.

From our family to yours, we wish you a holiday filled with peace, love, and joy and a New Year with many blessings and lasting happiness.

Best to you all!

Dwight and Kerry Stuckey

What's New at Stuckey in 2012?

Incentives Program

At Stuckey & Company, we know that our success depends on working with the best producers.  To encourage you to grow your relationship with Stuckey & Company, we are launching a year-long, multi-product incentive program that will reward and recognize those of you who grow your business with Stuckey & Company. 

The program is simple: every two months, we will be focusing of one of our award-winning product lines.  For every new bind order you make of the featured product, you will be entered to win either the new iPhone 4S or a Kindle Fire.  A winner will be chosen for each product line so you have 6 chances to win.  It is up to you to claim your prize!

January-February: HarborGuard

March-April: SafetyTek Technology E&O

May-June: MPL

July-August: Aspire A&E

September-October: Commercial

November-December: Personal

Look for an email later this month announcing the start of the HarborGuard incentive program and outlining the terms and conditions.


Coming in January:

January 19: New Agent Webinar

Welcome to Stuckey & Company!  Every six months, we host a New Agent Webinar to help our new agents and brokers learn about our easy quoting and application systems as well as information on coverage options.

January 26: SafetyTek Technology E&O Webinar

Did you know that Technology Errors and Omissions insurance coverage is NOT provided by a Commercial General Liability policy?  Learn all you need to know to grow your existing technology E&O business or jumpstart a new program.  This webinar will focus on the types of coverage offered by SafetyTek Technology E&O and the reasons your clients might need this type of specialized liability coverage.

To RSVP for any of the Stuckey & Company webinars, please send an email to Elizabeth Sedlock at esedlock@stuckey.com with the webinar name in the subject line.  You can also visit our website to sign up. 

Marina Insurance - HarborGuard

Don’t forget: the HarborGuard incentive program starts in January!

So, the economy has not improved much.  One thing that never changes is the need for marina insurance, especially in underserved areas.  Because Stuckey & Company can write policies for marine businesses that have insufficient liability insurance, or that have thought about reducing coverage to cut costs, Stuckey & Company has seen very strong activity from insurance agents with clients in need of these tailored coverages. The HarborGuard program gives these marine businesses outstanding coverage at an affordable price. 

In addition, HarborGuard includes new features that protect eligible classes, and gives agents more flexibility when writing policies. 

Popular new features include:
• Now can include water sports liability up to policy limits 

• Now includes Sudden and Accidental Pollution coverage 

• Deductibles as low as $25,000 for docks, including wind/collapse 

• Campgrounds, resorts, and homeowners associations now included

• Now able to write excess/umbrella and auto 

• The program can also include replacement cost on docks, liquor liability, non-owned auto and boat rental.

January and February is the time when marine businesses look toward the upcoming season and revisit insurance coverage.  So don’t be caught out in the water trying to keep yourself afloat…let us assist you in reviewing your current marina coverage to see if we can improve both cost and coverage.

For more information, please contact Jerry Lovin at jerry@stuckey.com.

START QUOTING NOW!  Get in the running for an iPhone 4S or Kindle Fire.  For applications and forms, click here.

Bind More Technology E&O Insurance

Great news: The SafetyTek forms are now approved in California!

We know the tech industry.  As the pioneers in technology E&O coverage, we understand that information technology professional service providers operate in a perilous business climate.  You can help them protect their businesses by offering professional liability insurance tailored to THEIR needs.

Educate your clients on the whys and hows of technology E&O coverage…Many professionals will not know that Technology Errors and Omissions insurance coverage is not provided by a Commercial General Liability policy. Commercial General Liability does NOT provide coverage for programming errors, contract performance disputes or any other Professional Liability issues. IT consultants and companies who have General Liability without Professional Liability (Errors or Omissions) coverage are taking a serious risk. It’s like a doctor practicing medicine without Malpractice insurance.

Technology coverages encompass a range of exposures. Some are specifically tailored, and others are broader.

When it comes to a knowledgeable team of Technology E&O insurance professionals, Stuckey & Co. has you covered.

For more information regarding Technology E&O insurance, please contact Maggie Hammett at maggie@stuckey.com. 

START QUOTING NOW!  For applications and forms, click here.


Inside This Issue

What's New at Stuckey in 2012?div
Marina Insurance - HarborGuarddiv
Bind More Technology E&O




Happy Holidays!

We at Stuckey sat down this year
to design our holiday card,
but getting our family in here
turned out to be rather hard.

Mom, Pop and their kids showed up
to meet the photographer.
Then Pop suggested the office staff
should be in the picture for sure.

So Underwriting elbowed in.
Customer Service did too.
And little by little the Stuckey family
grew and grew and grew.

The photographer got a wide lens.
He told everyone to squeeze.
Mom interrupted and stopped it then
before we could say “Cheese!”

“Look at our family!” she said.
“I’m thankful to have you near.
How can we say it’s a family photo
without our customers here?”

So that’s why we don’t have a photo
and why this poem is for you.
May you be as blessed this holiday
as we are blessed all year through.


  The Three Avocados coffee we sent you last year paid for a well in Africa. To learn more about this wonderful organization, click here.



Three Avocados Resize resized 600



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Topics: affinity insurance program, competitive insurance, speciality insurance, tornadoes, tornado, insurance claim, weather, storms, Stuckey & Company, Blog, marina insurance, harborguard, kerry stuckey, stuckey and company, mga, specialty insurance, green insurance, element, safetytek, it insurance, HIgh Value Homes, hurricane season and insurance, personal lines insurance, EPL, Miscellaneous Professional Liability, Employment Practices, Management Liability, office insurance, corporate insurance, employers liability insurance, TECHNOLOGY, TECHNOLOGY, HubSpot Tips, harborguard, technology E&O, Stuckey, Stuckey & Co., stuckey and company, Stuckey and Co., data loss insurance, data loss risk

Tornados - What every property owner should know

By: jennifer strathmann | Posten on: Jun 14, 2011 3:16:00 PM

Large hail, strong winds, tornados...they all can wreak havoc not only with our emotions but our property. When we are faced with the volatile weather that occurs in the spring there are a few things to keep in mind.


tornado, property

  • MYTH: Areas near rivers, lakes, and mountains are safe from tornadoes. 
  • FACT: No place is safe from tornadoes. In the late 1980's, a tornado swept through Yellowstone National Park leaving a path of destruction up and down a 10,000 ft. mountain.
  • MYTH: The low pressure with a tornado causes buildings to "explode" as the tornado passes overhead.
  • FACT: Violent winds and debris slamming into buildings cause most structural damage.
  • MYTH: Windows should be opened before a tornado approaches to equalize pressure and minimize damage.
  • FACT: Opening windows allows damaging winds to enter the structure. Leave the windows alone; instead, immediately go to a safe place.
  • MYTH: Tornados never strike large cities.
  • FACT: In the past several years, tornados have roared through several major cities including Miami; Nashville and Fort Worth, Texas.
  • MYTH: Tornados never strike large cities.
  • FACT: In the past several years, tornados have roared through several major cities including Miami; Nashville and Fort Worth, Texas.
  • MYTH: Funnel size and shape determine the strength of a tornado.
  • FACT: A thin funnel cloud known as a “rope tornado” can be as strong as a wide-funneled “wedge tornado”. The ranking of a tornado is based on the Fujita Scale which categorizes tornadoes according to the degree of destruction. There have been F5 and F4 tornadoes generated from both narrow and wide funnels.

Despite all the negative press that has us tossing and turning and nibbling at our nails when the sirens start to sound, there is some positive information regarding these natural disasters. The death toll from tornadoes has declined because of better construction methods, safety codes, rescue units and improved medical procedures and practices.

We also have access to storm warnings. For a time, the federal government wanted to ban tornado warnings fearing the populace would panic. Thank heavens, common sense prevailed. Perhaps the only real protection is to stay calm and have an emergency plan. If bad weather strikes, stay tuned to the television or radio for those tornado watch and warning announcements, and if they say to take cover...take cover.

In the meantime, relax and stay calm. You have your friends at Stuckey & Co. who will be on hand to assist you manage with all of your insurance claims, should they arise.

To subscribe to our free online newsletter please register at stuckey.com.




Topics: tornadoes, tornado, insurance claim, weather, storms


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