JOURNAL ARTICLE

Mirror Tests and Absolute Exclusions.

  • Published In: Insurance Journal, 2025, v. 103, n. 14. P. 40 1 of 3

  • Database: Business Source Ultimate 2 of 3

  • Authored By: Burand, Chris 3 of 3

Abstract

The article discusses the increasing errors and omissions (E&O) exposures faced by independent insurance agents, particularly in the context of hard market conditions. It emphasizes the importance of the Mirror Test, which requires agents to ensure that new policies mirror expiring ones and to inform clients of any coverage differences. The article also highlights the challenges posed by absolute exclusions in insurance policies, which can leave agents without coverage in certain situations, particularly when clients face claims related to criminal acts or other exclusions. Overall, the piece underscores the necessity for agents to be vigilant in policy comparisons and client communications to mitigate potential liabilities. [Extracted from the article]

Additional Information

  • Source:Insurance Journal. 2025/09, Vol. 103, Issue 14, p40
  • Document Type:Article
  • Subject Area:Social Sciences and Humanities
  • Publication Date:2025
  • ISSN:0020-4714
  • Accession Number:187853561
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