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Insurance Agents E&O: Protecting Those Who Insure Others


Our U.S. Risk Pros division provides insurance professionals with comprehensive Errors & Omissions (E&O) coverage designed to address their exposures in designing and securing a risk management and insurance program for clients. E&O exposures include allegations from clients of having inadequate coverage or no coverage at all after a loss (such as flood claims in the aftermath of major storms, prompting the uninsured to look to their agents for recourse), property claims involving replacement cost coverage vs. actual cash value disputes, confusion over coinsurance penalties and the impact on commercial property coverage, and disputes over additional insured coverage, among others.

In many cases, it’s an issue of he-said, she-said, but the cost to defend such lawsuits can be significant. Having the right coverage with the right carrier is key. That’s where our Insurance Agents E&O coverage comes in.

  • Property and life
  • Accident and health
  • Personal and commercial lines
  • General agents
  • Wholesalers
  • Surplus lines brokers
  • MGAs
  • Program administrators
  • Mutual funds
  • Program available nationwide
  • Startups with experience considered
  • New policy form
  • Available limits up to $5M per claim and annual aggregate, defense outside limit options available
  • Deductibles starting as low as $1,000 with aggregate deductible available
  • Local and intermediate haul classifications (300-mile maximum average radius)
  • Extended intermediate haul classifications (500-mile maximum average radius)
  • Long-haul and unlimited haul classifications
  • Up to $2M CSL liability coverage
  • Various coverage symbols available
  • Small deductible options available
  • Statutory UM/UIM (higher limits available)
  • Statutory PIP/MedPay (where applicable)
  • Trailer interchange
  • MCS-90
  • Fleet and non-fleet coverage available
  • All radius classifications
  • Stated value policy
  • $1,000, $2,500, $5,000, $10,000 deductible options
  • Large aggregate deductible options available
  • Monthly reporting of values available
  • Master policy programs available (where qualified)
  • Up to $250,000 Limit
  • All radius classifications
  • $1,000, $2,500, $5,000, $10,000 deductible options
  • Reefer breakdown coverage
  • Restriction of commodities endorsement
  • Tarpaulin requirement
  • Third-party liability for permanently leased owner operators
  • All radius classifications
  • $500,000 CSL, $750,000 CSL, or $1,000,000 CSL
  • Statutory UM/UIM (higher limits available)
  • Statutory PIP/MedPay (where applicable)
  • Master policy programs available


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