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Our agency provides errors and omissions (E&O) insurance to California insurance agents, brokers, and agencies writing any type of P&C, life, health and accident coverage. Our goal is to provide you with E&O coverage from a highly rated carrier promptly and at a reasonable cost. Even if you're having difficulty finding coverage because of your specialty, a history of claims, or bankruptcy, we can help.
This website is designed to provide you with information regarding the products we offer in California and easy access to our applications. To request quotes, please complete an application and return to us. Do not hesitate to call us if you have any questions.
We can provide E&O insurance to all types of agents and brokers in California, including:
Whether you're an experienced or a newly licensed agent, we have a market for you.
California insurance agents face significant exposure to professional and malpractice claims, including the following:
Being an insurance agent in involves a high level of risk. California insurance agents are expected to place the right coverage at the right time, to process the paperwork and payments correctly, and to satisfy the requirements of both the policyholder and the carrier. Policyholders rely on their coverage to protect them when they need it. Carriers expect to be paid on time and to have had all relevant facts disclosed to them on the application.
Errors and omissions claims arising from policyholders in California will typically be based on a claim which was denied or only partly covered by the insurance company. Policyholders often try to recover the difference from their agent.
Errors and omissions claims arising from a carrier with which the California agent places business are usually based on the failure to follow binding authority agreement, failure to follow underwriting standards, failure to provide information to carrier prior to binding, and failure to non-renew or cancel coverage.
Also, California agents are usually asked by their carriers, managing general agents, aggregators, and wholesalers to provide proof of E&O insurance.