​Insurance Agents Errors & Omissions (E&O)


Reducing the Cost of Error

As a property and casualty insurance agent, you offer expert advice and service to your customers to help protect their businesses. When it comes to insuring your own business, you deserve the same thoughtful level of attention.

Professional liability experts in our insurance agents errors & omissions (E&O) program will provide coverage options that meet the needs of your independent property and casualty agency.

Our toll-free hotline, staffed by our E&O claim specialists, provides advice when you need it most in order to mitigate potential claims.

What Your Policy Includes

You’ll find broad definitions of the professional services covered by your policy as well as a supplemental payments section. Policy limits up to $10 million and deductibles as low as $2,500 provide affordable, comprehensive coverage, including:

  • ​Consent-to-settle
  • Contractual and vicarious liability
  • Data compromise (at no additional cost)
  • First dollar defense
  • Full prior acts
  • Innocent insured (for fraudulent or dishonest acts)
  • ​Insurance carrier insolvency
  • Insured vs. insured (for personal lines placements)
  • Personal and advertising injury for professional services
  • Punitive damages (where allowed by law)
  • Vicarious fiduciary liability

Also available:

  • Employment practices liability coverage, available by endorsement with separate limits and deductible
  • Professional services extra expense coverage

Additional coverages are available exclusively for Liberty Mutual Insurance-appointed agents:

  • Reduced E&O deductible for claims arising out of Liberty Mutual placements
  • Extra expense coverage for disabling events affecting you or your customers


Property and casualty should represent 75 percent of your business, and your annual premium volume should be $1 million at minimum ($3 million in California and Texas). Businesses also should have a good loss history.

The E&O program is not available in Alaska, Alabama, Florida, Hawaii, Louisiana, Mississippi, New Mexico, Nevada, South Carolina, and West Virginia.

How to Obtain Coverage

We work with an established network of professional liability specialists across the country. Please contact the agency serving your area by selecting your state below. To obtain coverage or learn more, contact the representative for your state:

CA, CT, DE, MA, MD, ME, NH, OH, PA, RI, VA, and VT
Insurance Specialties Services, Inc.
946 Town Center
New Britain, PA 18901
Phone: 1-800-523-6004

AZ and CA
Dealey, Renton & Associates
530 Water Street, 7th Floor
Oakland, CA 94607
Phone: 1-800-545-3090
Fax: 510-452-2193

WIAA Insurance Services
11190 Sun Center Drive, Suite 100
Rancho Cordova, CA 95670
Phone: 1-800-553-4221

AR, GA, IA, KS, KY, MD, MO, NC, NE, NJ, OK, SD, SC, TN, and VA
Chris-Leef General Agency, Inc
P. O. Box 3747
Shawnee Mission, KS 66203
Phone: 1-800-548-0491

GA, KY, TN, and VA
Insurance Planning & Service Company, Inc.
1089 Bailey Avenue
Chattanooga, TN 37404
Phone: 1-866-791-2805

ID, MT, OR, and WA
PIA Pacific NW Services Corporation
3205 NE 78th Street, Suite 104
Vancouver, WA 98665
Phone: 1-888-246-4466

Utah Association of Independent Insurance Agents
(made available in affiliation with IIAA Agency Administrative Services, Inc.)
4885 S. 900 E, Suite 302
Salt Lake City, UT 84117
Phone: 801-269-1200

CO, ID, ME, MT, ND, NH, NV, NM, OR, TX, UT, VT, WA, and WY
F.B. Beattie & Co., Inc.
Safeco Plaza, Suite 1000
P.O. Box 34756
Seattle, WA 98124
Phone: 1-800-255-9990

CT, MA, and RI
R-T Specialty, Inc.
20 Church Street, Suite 1500
Hartford, CT 06103
Phone: 1-800-356-0168

12700 Park Central Drive, Suite 300
Dallas, TX 75251
Phone: 972-934-4200

AIFS Corp., dba Agency Insurance & Financial Services
4550 Cascade Road, Suite 205A
Grand Rapids, MI 49546
Phone: 616-988-4470

IN, IL, WI, and MN
Executive and Global Insurance Risk Managers, Inc.
852 W. Bartlett Road
Bartlett, IL 60103
Phone: 630-504-6505


This is a general description of coverages. Not all coverages are available in all states. Contact an independent agent or your broker for policy terms, conditions, and exclusions.

​Specialty Program Overview

​Our specialty programs provide tailored coverage for specific niche markets.

Learn more