When completing an application, an agency should be sure to have the customer sign the application as there is tremendous power to a signed app. However, for the agency to truly benefit from that signed app, it is critical that the signature on the app be that of the customer / prospect. If a member of the agency signed the app for the customer, this could certainly spell trouble. In many E&O claims, the issue of who signed the application could certainly come into play. It the customer were to allege that the signature is not theirs, it is conceivable that the plaintiff’s attorney will secure handwriting experts to make a final determination. If it is proven that the application was signed by an agency representative, this has the power to significantly alter the future direction of that E&O claim.