未能获取保障 Failure to Procure

关键定义 KEY DEFINITION

Failure to Procure（未能取得保险）是 Agent 或 Broker 未按 client instruction binding coverage 或 letting policy lapse 导致 client uninsured loss 的 E&O claim basis。Client 应 retain coverage confirmation 和 renewal notices；Agent 应 document coverage placement 和 client declinations。