Why subscribe?

I write about common coverage gaps in Claims Made coverage that even insurance agents can miss.

Subscribe if you’re:

• An insurance agent who needs to stay up to date with Claims Made coverages

• A board member or investors who wants to know:

  • what types of Directors & Officers Liability gaps you should look for

  • what questions you should ask to make sure your personal assets are protected

• A professional service practitioner who wants to know:

  • what types of Professional Liability gaps you should look for

  • how to make sure your liability from your services are fully transferred

I’m an experienced Claims Made practitioner.

Check out my LinkedIn for details, I’m experienced in Claims Made coverages as:

• an underwriter who worked to qualify and quote applicants for coverage

• a broker who advises agents on how to market their clients for the best coverage the market has to offer

I geek on Claims Made coverages

I’ve got a running blog with the Professional Liability Underwriting Society called “Claims Made Bites”:

• July 2025, “The Insured CANNOT Get the Application Question Wrong”

• August 2025, “Do They Even Know?”

• September 2025, “Do Environmental Consultant E&O Policies Actually Provide Coverage?”

• October 2025, “The EPL Risk Manager Checklist”

• December 2025, “How Pollution Claims Got Us Here”

• January 2026, “Antitrust Exclusions Can Be Catastrophic”

• February 2026, “Absolute Exclusions Are, Well…Absolute”

I’ve also been published on the highly prestigious journal, “D&O Diary”:

• “The Unpredictable World of Related Claims Determinations”

• “Wait, YOU Also Wanted Coverage? Why Didn’t You Say So!”

No one writes on Claims Made this way

There are plenty of insurance blogs, legal blogs, all of which contain relevant information for agents and customers of Claims Made coverages alike. Yet none of them are writing in a way that distills the legalese into actionable information for boards, investors, professionals and insurance practitioners.

You can’t omit what you’ve already disclosed

“0 omissions” derives its name from the fact that insurance agents must, as best they can, disclose everything about their insurance proposals to their clients. Among the hundreds of pages an insurance agent must sift through each year is Claims Made coverages, a coverage type that is not:

• subject to any standardization (unlike General Liability, Property, Auto…)

• constantly evolving with new enhancements/exclusions that radically change coverage

• doesn’t answer to “reasonableness” but the “8 Corner Rule” which will confirm claim denials based on the “clear and unambiguous language of the policy”.

Claims Made is hard for even insurance professionals to keep up with. It’s why many professionals avoid Claims Made; they don’t want to potentially omit something they themselves were ignorant of.

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