63.00 sounds like a good flat fee. I think it should be mandated that any complaint be answered with a flat $63.00

As I said to Scott, I understand, I carry both. But saying that I read and am explained to that the general liability would cover an unintentional, accidental, mistake anyway. So, saying that why is E&O mandatory for the protection of your clients. If your state mandates that you have to have E&O than and it is not for the protection of your clients then why mandate it. I have never had a come back on me and lets hope I don't have to find out the hard way.

Not arguing here, I have a my belief why. Just asking the question of your belief. I ask a lot of questions for my own clarification even when the vast majority of the time I know the answer. I truly like to have a well rounded opinion and gain mine by gathering others opinions.

Thanks

Ted