If you are an Insurance agent, you are required to subscribe in errors and Omission ( E&O) better known as
professional liability to protect you in case you did not do your job. If there is negligence on your part when selling your insurance and you did not explain the full product and services you are offering and the client complains about it, then you are covered or protected against the claim. When your client sues you, then professional liability will take care of the liability,