Insurance Agent E&O Insurance (Insurance Producer Professional Liability)

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Limits of up to $5mn available

Insurance agent "E&O" (errors and omissions) insurance is a professional services liability policy that protects an insurance agent/producer or broker from a variety of claims. Insurance professionals generally need protection from legal action resulting from negligence in providing or recommending insurance coverages. A typical E&O policy will offer broad coverage including but not limited to:

  • General coverage for professional errors and omissions
  • Contingent BI/PD (bodily injury/property damage if in the course of insurance practice)
  • Claims made and reported form policy form
  • Personal Injury coverage available
  • Coverage for previous acts is available

The basic coverage form and state-specific endorsements can be expanded with cyber liability. Insurance brokerages that employ staff can also benefit from the inclusion or addition of fidelity bond (commercial crime) coverage to protect against theft and/or conversion of insurance premiums.

We currently offer up to five million dollar ($5mn) primary limits with a defense outside limit option. Excess layers may be purchased on a bespoke basis. Retentions can be as low as one thousand dollars ($1,000). Employment practices liability (EPL) of up to $25,000 sub-limit may be endorsed to the primary. Policies are available for property/casualty, life/health/viatical, general agents, wholesalers, surplus lines brokers, managing general agents and program administrators.

Specialty policies available to high risk producers (crop, aviation, etc.)

National surety bond leader, Surety One, Inc. is a specialist in the surety bond sector however given the demand for E&O coverage by our producer pool we have instituted this program which is now open for all producers ALL fifty states, Puerto Rico and the U.S. Virgin Islands. Questions about insurance agent E&O? Call us at (800) 373-2804, email us at or click here for live chat.

Surety bond application review and quoting are free of charge. There is no obligation to purchase.