Insurance Agents & Brokers insurance · Nationwide
E&O coverage for the people who sell coverage
A missed renewal, a coverage gap a client didn't know about until they filed a claim, a data breach involving client financial records. Agencies carry the same E&O exposure they help clients manage every day. We connect you with specialists in agency E&O.
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Open the Compass →Where insurance agencies get exposed
These are the scenarios our specialists see most often in your industry.
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Coverage insurance agencies carry
An agency's biggest exposure is advice, not property. A limit that was never raised or a coverage that was never offered becomes a claim only when the client has a loss, which is exactly the moment they discover the gap and go looking for who is responsible.
Errors & Omissions
Claims that you failed to place, recommend, or maintain the right coverage for a client.
The core policy for an agency. Most claims are failure-to-procure or failure-to-advise, and they surface at the client's loss rather than at the point of sale.
General Liability
Injury to clients and visitors at your office, and damage to property you do not own.
Small exposure but usually required by a lease. It answers for someone falling in your reception, never for anything to do with the advice you gave them.
Cyber Liability
Breach response, notification, and liability when client data is exposed or systems are held to ransom.
An agency file holds SSNs, financials and loss histories for hundreds of businesses. Notification costs alone can exceed the revenue of a small book.
Business Owner's Policy (BOP)
Bundles general liability and property for your office, equipment, and files.
Cheapest way to satisfy a lease and cover the office contents. It does nothing for professional exposure. E&O is always a separate policy.
Commercial Umbrella
Extra limits above general liability and your underlying policies.
Carrier appointments and larger commercial clients often specify a minimum. Note it sits above general liability, not above E&O, which has its own limit.
FAQFrequently Asked Questions
In most states, yes: carrying E&O coverage is a condition of maintaining your insurance producer license, and it's independently required by most carrier appointment agreements as well.
The most common allegations involve a missed renewal, a miscommunicated coverage limit or exclusion, or a claim that the agency should have recommended different or additional coverage. Ongoing E&O coverage protects against all of these.
Yes: E&O covers claims about your professional advice and service; cyber liability covers data breach and network-security incidents. Agencies typically need both given the client data they hold.
E&O policies are typically claims-made, meaning coverage depends on when the claim is filed, not just when the alleged error occurred. Continuous coverage matters even after a policy is no longer active. We'll walk you through how that works.