- Is the company Admitted or Non-Admitted?
- What is the company's A.M. Best rating?
- What is their E&O premium volume in Florida?
- Is the application part of the policy?
- What is included in their list of covered professional services / activities?
- Insurance agent/broker
- Insurance consultant
- Life & health agent
- Notary public
- Premium financing
- Property valuation
- Risk management services
- Loss control services
- Advertising
- Other available by endorsement
- Is Personal Injury included?
- What additional / supplemental coverages are included?
- What are the exclusions?
- How is insurer insolvency treated?
- Does the policy exclude mold/nuclear/ pollution, etc?
- Is contractual liability excluded?
- Are life & health activities excluded?
- Does the policy exclude claims from anyone other than clients?
- Definition of who is an insured
- Individual
- Partnership
- Corporation
- LLC
- Executive officers
- Employees
- Independent contractors
- Merged or acquired entities
- Legal representatives
- Prior acts coverage / retroactive date
- Extended reporting period options
- Basic period included—how long
- Optional extended periods available—how long—cost
- Notice of occurrence / incident reporting
- Consent to settle clause
- Limit of Liability
- Defense in addition to / within limits
- Deductible
- Aggregate deductible
- Deductible applicable to defense
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