Did you ever create an in house office policy procedure for your company? If so, does anyone have a template I can go off of? Supposidly this will reduce my E&O insurance. THANKS!

Yes, it will reduce your E&O, but I'm not sure how much. I have a complete handbook, over 50 pages, that I wrote personally. I revise it periodically and use it in sales meetings sometimes when matters of policy are questioned. Each agent receives one, and they sign a page acknowleding its receipt and understanding. This has saved me several times. I'd be happy to email you one if you'd like.