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.
What state licensing & carrier appointments require
We make sure your coverage meets the bar — and issue the certificates and filings you need to prove it.
- Errors & omissions (E&O) coverage — required by most state licensing boards and nearly all carrier appointment agreementsRequired
- Minimum E&O limits are frequently set by the carriers you're appointed with, not just your own preferenceRequired
- Cyber liability, given the volume of client personal and financial data agencies holdRequired
Licensed Insurance Agency Specialists Nationwide
A specialist who knows your state's licensing rules and can issue the certificates and filings you need.
What insurance agents & brokers need to be covered
Insurance agents and brokers understand risk better than almost anyone — which makes it easy to underestimate their own. A missed policy renewal, a misquoted coverage limit, or advice that turns out to be wrong exposes an agency to the exact kind of professional liability claim its own clients file every day. Most state licensing boards and carrier appointment agreements require proof of E&O for exactly this reason.
Professional Liability (E&O)
Protects against claims of negligence, mistakes, or failure to deliver professional services as promised.
General Liability
Covers third-party bodily injury, property damage, and advertising injury claims — the foundational policy nearly every business carries.
Cyber Liability
Responds to data breaches, ransomware, and cyberattacks — covering notification, recovery, and liability costs.
Business Owner's Policy (BOP)
Bundles general liability and commercial property into one cost-effective package built for small businesses.
Commercial Umbrella
Extends the limits of your underlying liability policies for large claims that could otherwise threaten the business.
Where insurance agents & brokers get exposed
These are the scenarios our specialists see most often in your industry — and the coverage that responds when they happen.
Protect against these risksMissed renewals or lapsed policies
A missed renewal that leaves a client uninsured at the moment of a loss is one of the most common E&O claims agencies face. Professional liability (E&O) coverage responds to these allegations of negligence or oversight.
Misrepresented or misquoted coverage
A client who believed they had coverage they didn't — because of a miscommunication about limits, exclusions, or policy terms — can file an E&O claim against the agency that sold or serviced the policy.
Client data breaches
Agencies hold significant client personal and financial data. Cyber liability covers breach notification, recovery costs, and third-party liability if that data is compromised.
Failure to recommend adequate coverage
A claim alleging the agency should have recommended higher limits or additional coverage — even without an outright error — is a common form of E&O allegation in the industry.
Why insurance agents & brokers can't skip coverage
- Most state insurance licensing boards require agents and agencies to carry E&O coverage as a condition of licensure, and nearly every carrier appointment agreement independently requires it too.
- E&O claims against agencies are frequently alleged years after the original policy was sold or serviced, meaning ongoing coverage — not just coverage at the time of sale — matters.
- The volume of sensitive client financial and personal data an agency handles creates real cyber liability exposure that a standard professional liability policy doesn't cover on its own.
By the numbers
1 in 8
Agents estimated to file an E&O claim yearly
569K+
US licensed insurance sales agents
40+
Specialists in our network
Insurance Agents & Brokers insurance FAQ
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.
Get matched with a insurance agency specialist
Share a few details and a licensed agent who understands insurance agents & brokers will reach out with tailored options. No cost, no obligation.
- Takes about 2 minutes
- One specialist, start to finish
- We compare multiple A-rated carriers
- Licensed to serve clients in your state