A producer promises to add a water back-up endorsement, forgets to order it, and the client later suffers an uncovered basement loss. The producer's exposure is met by:

Explanation

Errors and omissions cover is professional liability for a producer who makes a negligent mistake in advising on or placing coverage, and failing to order a requested endorsement is the classic claim. A fidelity bond answers dishonest acts such as theft by an employee, not carelessness. The client's own liability coverage protects the client against claims by others, not the producer's mistake.