Error and Omission insurance, also called professional liability, provides coverage in the event of a negligence claim by a client. Any damages awarded to the client are covered under the policy up to the policy limits.

Life & Health Agents can be insured for as little as $454 a year. If you prefer to pay monthly the cost is $34.05 per month with an additional down payment of $113.50. We also offer additional levels of coverage including fixed and indexed annuities, variable products and disability income.

While not required by law, E&O IS REQUIRED by most carriers if you want to sell their life or health insurance products.

No, this insurance has been specifically designed for life & health agents only.

No.  Our Errors & Omissions policy covers the individual insurance agent – not an entire business.

No, this will NOT affect your opportunity to enroll in our coverage.

All states except New York are eligible for coverage.

Yes, you can add fixed and indexed annuities, variable products or mutual funds, and/or disability income insurance coverage for an additional charge.

Most professionals should carry an error and omission policy. In particular, any professional that provides a service for a fee.

For Life and Health Agents, Error & Omissions is essentially the same thing as professional liability insurance as they both protect the agent from third party claims of economic damages. The terms can be used interchangeably.

Errors and Omissions insurance generally exclude criminal acts, bodily injury, property damage and punitive fines.

Errors and Omissions focuses primarily on professional liability coverage of the agent. General liability usually covers bodily injury and property damage. Many general liability policies contain exclusions on professional liability.

Yes! You can purchase and bind Error and Omissions coverage instantly.