How do those of you who send overflow work out to other appraisers handle E&O? Do you have a group policy that covers the appraisers who you provide work to even if they have their own E&O? If I provide overflow work to an appraiser on a fee-split basis and I submit the work to the client under my company name it is my understanding that I should have the appraiser under my E&O policy. I suppose that means that appraiser is double covered if they already have their own E&O right? I see ads for fee-split appraisers who “must have their own E&O”. Am I to assume then that the work those fee-splitters are turning in are not under the company name of the firm providing them the work?