Separation/divorce scenarios can and have caused E&O claims. If you are aware that you have clients going through a separation/divorce, this should be handled with tremendous attention to detail and solid communication. Coverage under various personal lines policies (auto, homeowners, umbrella, etc.) is based on the named insured and the residence. As a result, changes in the living arrangement can reduce/eliminate coverage. The key is communication with both parties. Look to arrange coverage for both individuals equal to what they had under one policy. Anything less than that should be explained, understood and agreed upon. Letters should be sent to each informing them of the action taken by the agency and inviting questions or further changes that may be needed. Sometimes you will not know if there are marital changes and may need to ask if you suspect something significant is happening.