I have been ask to get an E & O policy by a client. I have been in business for 25 years and have never had it. I have about 15 clients and the one who is asking is the one who is paying the lowest. This client is similar to the national companies that are out there. They want the turn around but don't want to pay.
 My biggest concern is that this may be due to a search that the national clients are doing, The Quick Search where they are only getting a copy of the deed and a credit ck was done and the lenders were issuing a mortgage based upon this.
 This search came about after a study was done and found that more deals were lost due to the length of time that it took to clear title. The deals are more or less being self insured by the companies no underwriter. I feel that now they are taking hits because of the shortcuts and now want the examiner to be the insurer. 
 This same client tried to explain to me that it is his client that is requesting that the vendor have the policy. WHAT HAPPENED TO TITLE INSURANCE????

  Since when does the examiner become the insurer?? I have no control over the help that they are hiring (and we all now how well they pay to get good help). Nor do I have any control over the county system. So if there is an error made due to the system WE the examiner are insuring it too. Where is our cut of the premium??