The insurance product is one of the most intangible products that exists, other than perhaps bitcoin. Agents and brokers sometimes sell policies based on an insurance company's response to the claims that are made, and hopefully they never have to experience it directly. Over the last five years, over 280 appellate decisions have come down either expanding coverage or (more frequently) narrowing the scope of coverage dramatically. As is often said, the devil is in the details, which is exactly what this class will examine. There are certain dangers that exist in all claims-made insurance policies. This course will deal with specific appellate decisions with respect to language in Specialty line policies that can create error and omission claims for insurance brokers. These claims will be made against brokers either because you didn't get broader coverage or, sold policies with language that was so narrow that many claims are being denied that probably should be covered based on an insured's reasonable expectations of coverage. You don't want to miss this one if you're selling specialty lines policies. This will assist you in providing better service to your clients and hopefully generate more new business as a result.