This Errors and Omissions  product targets retail insurance agencies primarily producing personal lines property and casualty and individual life and health lines of coverage with up to $10,000,000 in premium volume.

Ineligible Personal Lines Insurance Agents Professional Liability
Please note we cannot offer coverage to the following:
  • Risks located in AL, AK, CA, LA, MS or WV
  • More than $500,000 premium volume from commercial lines, including group life and health
  • Third-party administrators, managing general agents, wholesale brokers or reinsurance intermediaries
  • More than:
    • Ten percent or $100,000 premium volume from aviation, crop, hail or livestock insurance
    • Thirty-five percent or $250,000 in income from financial sale of investment products
    • Fifty percent of volume placed with carriers rated less than B+ by A.M. Best
Available Coverage for Personal Lines Insurance Agents Professional Liability
  • Defense costs outside the limits
  • Coverage for personal injury
  • Duty to defend
  • Automatic coverage for independent contractors
  • Coverage for both property/casualty and life insurance sales
  • Coverage available for mutual fund and variable annuity sales

Coverage Limits Available for Personal Lines Insurance Agents
Professional Liability
  • Up to $2,000,000/$2,000,000
  • Retention start at $2,500
  • First dollar defense deductible option available in selected states