Errors & Omissions Insurance for Insurance Agencies
Insurance agencies carry a specific exposure: the risk of being blamed for a coverage gap, a missed renewal, or advice a client later disputes. Failure to procure coverage is one of the most common sources of agent E&O claims industry-wide — we help agencies of all sizes carry coverage that matches that reality.
Coverage We Build Around Your Business
Real Risk, Real Coverage
A client claims a policy you placed didn't include coverage they expected.
Agents E&O is specifically built to respond to coverage-gap and advice-related disputes, which are consistently among the most common types of claims agencies face.
A renewal is missed and a client has a loss during a lapse in coverage.
E&O coverage addresses claims tied to procurement and servicing errors, including missed renewals — a scenario general liability doesn't touch.
Client policy and personal data is exposed in a breach of agency systems.
Cyber liability covers notification, legal, and remediation costs tied to a breach of client PII and policy records your agency holds.
Questions We Hear Often
Failure to procure requested coverage is consistently cited as one of the leading causes of agent E&O claims industry-wide — it's a core reason agencies of every size carry E&O regardless of how careful their processes are.
Yes — strong documentation helps defend a claim, but it doesn't prevent one from being filed. E&O covers the cost of defense and settlement even when the agency's process was sound.
This depends on whether your policy is written on a claims-made or occurrence basis, and what your retroactive date and tail coverage look like — details worth reviewing carefully with your agent.
It depends on your agency's policy structure and how those producers are engaged — this is exactly the kind of gap we help agencies review before it becomes a claim.
Tell us a little about your business and we'll shop it across our carrier network to find the right fit.
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