--- title: Disclosing Reductions in Insurance Coverage description: The best defense for an insurance agent or broker to avoid an E&O claim is proper documentation of offering the proper coverage and getting a client's signoff that they understand the coverage limitat --- [![AxisInsurance](https://blog.axisins.com/hubfs/files_2023/logo.png)](https://www.axisins.com/) Connect with us Call us Today [(201) 847-9175](tel:2018479175) [(877) 787-5258](tel:8777875258) - - About Axis - [Our Approach](https://www.axisins.com/about-us/) - [Our Team](https://www.axisins.com/our-team/) - [Testimonials](https://www.axisins.com/testimonials/) - [Case Studies](https://www.axisins.com/case-studies/) - [News & Events](https://blog.axisins.com/tag/news-and-events) - [Careers](https://www.axisins.com/job-opportunities/) - Product Lines - [Overview](https://www.axisins.com/products/) - [On-line Quoting](https://www.axisins.com/products/on-line-quoting/) - [Surety Bonds](https://www.axisins.com/products/surety-bonds/) - 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It is incumbent on the insurance agent to be the professional and advise clients of their options, risks and costs. We find many times that clients make economic decisions on buying insurance coverages under the thought that they are never going to have a claim anyway. Well, it’s been my experience, that the one thing that isn’t covered is the one thing that gives rise to a claim. The best defense for an insurance agent or broker to avoid an [E&O Insurance](https://www.axisins.com/products/errors-omissions-professional-liability-insurance/real-estate-agents-brokers/) claim is proper documentation of offering the proper coverage and getting a client's signoff that they understand the coverage limitations. There is no way to get a client's concurrence with every exclusion in a policy; however, you should attempt to highlight significant limitations and especially any reductions in coverage. A simple email in your file can be a lifesaver in deposition or trial. 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