Lesson: When a customer has a policy cancelled, keep the matter on a very short diary until replacement coverage is offered to the client. Never issue a certificate of insurance when there is no coverage in force. (read claim)

Lesson: When a difficult client has a history of late premium payments, check with the carrier before any certificates of insurance are issued. (read claim)

Lesson: Copies of all correspondence sent to a client should be kept in the agency’s file. (read claim)

Lesson: Keep an accurate accounting of all premiums deposited and withdrawn to ensure premiums are properly credited by a carrier. (read claim)

Lesson: When switching policyholders from one carrier to another, be sure to check the list of clients that need to have policies replaced, and let no client slip through the cracks. (read claim)

Lesson: Be extremely careful when listing addresses on an application. (read claim)

Lesson: Never issue a certificate of insurance unless there is an in force policy in effect. (read claim)

Lesson: React to all communication from the carrier relating to the status of coverage for a client. (read claim)