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Michael P. Sapourn, JD, CIC, CRM
Agency Practices

Insurance Agency Management and Operations

The short answer

In agency errors and omissions litigation, how the agency runs its business becomes evidence. Michael Sapourn spent 23 years as a principal of one of the largest privately held agencies in the Washington, DC area and testifies on what quality agency operations look like.

Operations are evidence

The threshold issue in any agency errors and omissions case is how the agency does business. How organized it is, how much it invests in continuing education, the quality of its advice and communications, and the detail in its files all become discoverable evidence that can help or hurt its case.

23 years running an agency

Mr. Sapourn spent 23 years as a principal of one of the largest privately held insurance agencies in the Washington, DC metropolitan area. Before becoming CEO in 1987, he ran the agency’s commercial lines department. He also served as a director of one of the two largest trade associations for independent agents, and maintains his CIC and CRM designations through annual updates.

What quality agencies do

  • Pursue professional education such as CPCU, CIC, CRM and CISR
  • Communicate honestly with both their companies and their clients
  • Know their products, including insuring agreements, extensions and exclusions, and know their companies’ financial condition and binding guidelines
  • Maintain organized files
  • Document written communications and keep phone logs summarizing discussions and decisions
  • Review each client’s situation periodically

Mr. Sapourn is retained by both plaintiff and defense counsel for case analysis, opinion reports, affidavits, depositions and trial testimony. Request his CV and Rule 26 disclosure through the contact form.

Frequently asked questions

Why do agency operations matter in E&O cases?

Organization, training, client communications and file documentation are all discoverable. They often determine whether an agent's account of events is credible.

Has Mr. Sapourn been qualified on agency management?

Yes. He was qualified in federal court as an expert in agency management and practices and the agent standard of care.

Free consultation

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Talk to a lawyer who knows how insurers think.

Tell Mike what happened with your claim or your agent. The first consultation is free, and you will speak with him directly.