Im not really sure that having E&O insurance helps the client.  The fact is that I havent found one customer who understands what it is for.  It doesnt protect the client, it protects the holder of the policy.  The policy holder does not have to file a claim unless they want to.  They wont file a claim because they will most likely get dropped and not be able to get a policy elsewhere.  The customer cannot file a claim against the policy.  It seems to me to be a false sense of security and a great moneymaker for the insurance companies.  Nevertheless, the customers want it so we pay those premiums.