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Underwritten by Aspen Insurance, an A.M. Best A-Rated (Excellent) carrier, your new E&O policy is specifically developed for life & health insurance agents. Your search is over, get started now.

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Life & Health Agent Policy Highlights

Provides coverage for the sale and servicing of life, accident, and health insurance and managed care organization contracts.

  • Preferred Risk Rates

  • Bind Instantly

  • Immediate Proof of Insurance

  • Claims Made and Reported Policy

  • Extended Tail Coverage

  • A Rated (Excellent) Carrier

Liability Limit Per Claim
Aggregate Liability Limit
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Who We Are

EOCoverage.com is a leading provider of E&O coverage for life and health insurance agents. Our program is administered by Pearl Insurance, one of the nation’s oldest and most prominent third party administrators. Our coverage is insured by Aspen Insurance, an A.M. Best A-Rated (Excellent) carrier.

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Error & Omissions Insurance Underwriter & Administrator

Frequently Asked Questions

What is errors & omissions insurance? 2018-01-02T15:38:12+00:00

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.

How much does errors & omissions insurance cost? 2018-01-02T15:40:22+00:00

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.

Is errors & omissions insurance required? 2018-01-02T15:41:08+00:00

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

Does this E&O policy cover Property & Casualty agents? 2018-01-02T15:41:39+00:00

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

Does E&O insurance cover businesses? 2018-01-02T15:42:12+00:00

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

Would an open claim with another carrier restrict enrollment? 2018-01-02T15:47:35+00:00

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

Which states are covered? 2018-01-02T15:48:17+00:00

All states except New York are eligible for coverage.

Are additional coverage options available? 2018-01-02T15:49:10+00:00

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

Who needs errors & omissions insurance? 2018-01-02T15:49:51+00:00

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

Is errors & omissions insurance the same thing as professional liability insurance? 2017-11-15T13:14:17+00:00

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.

What does errors & omissions insurance exclude? 2017-10-30T10:12:38+00:00

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

Does general liability insurance cover the same thing as errors & omissions insurance? 2017-10-30T10:15:33+00:00

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.

Can I enroll in errors & omissions insurance online? 2017-10-30T10:09:45+00:00

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