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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

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.

How much does errors & omissions insurance cost? 2017-11-15T16:43:28+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.

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.

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.

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.

Is errors & omissions insurance required? 2017-10-30T10:12:57+00:00

Yes, E&O is required for all active life and health insurance agents.

Who needs errors & omissions insurance? 2017-10-30T10:13:44+00:00

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

What is errors & omissions insurance? 2017-10-30T10:14:13+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.