Insurance carriers expert witness Alan F. Shirek, AFS Risk Consulting International, advises on the obligations of Insurance industry custom and practice. He writes:
Unfortunately, errors and omissions are not the sole purview of the agent or broker. Often, it is the carrier that has erred in its duty to the insured. The relationships between and among the placing agent or broker, the insurance carrier or carriers, both primary and excess, and the expectations of the insured party are sometimes in conflict. In such cases, testimony as to the customary practices within the insurance industry can assist in the resolution of disagreements between the parties.