Professional Liability Errors and Omissions Insurance Program
Many general liability policies contain exclusions for professional services, so the E&O coverage helps fill that gap.
Features of our E&O insurance include:
- Fast and easy online applications
- Low monthly payment options
- Instant certificates
- Customer Service Center
- Live chat support
Start taking advantage of our E&O program by enrolling now!
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| Group | Medicare & Final Expense Only (Level C) |
New Agent (Level D) |
Agent (All Inclusive) (Level A) |
Plus Variable Annuity & Mutual Funds (Level B) |
Policy Aggregate |
| Company A | $321 | $396 | $456 | $528 | None |
| Company B | $405 | $456 | $491 | $641 | $50M |
| Company C | $469 | $456 | $551 | $674 | $50M |
| Company D | N/A | N/A | $592 | $695 | $20M |
| Company E | $554 | $680 | $15m |
What is covered under each level?
Coverage Level A
- Sale and Servicing of Life Insurance
- Health Insurance
- Long-Term Care
- Disability
- Medicare Supplement/Advantage Insurance
- Final Expense
- Mortgage Life
- Fixed and Indexed Annuities
Limit Selection
Each Claim / Aggregate Per Agent – $1,000,000 / $1,000,000 – $456.00
Each Claim / Aggregate Per Agent – $1,000,000 / $2,000,000 – $497.00
Each Claim / Aggregate Per Agent – $1,000,000 / $3,000,000 – $501.00
Each Claim / Aggregate Per Agent – $2,000,000 / $2,000,000 – $539.00
Coverage Level B
- Sale and Servicing of Life Insurance
- Health Insurance
- Long-Term Care
- Disability
- Medicare Supplement/Advantage Insurance
- Final Expense
- Mortgage Life
- Fixed and Variable Annuities
- Mutual Funds and Variable Life
Limit Selection
Each Claim / Aggregate Per Agent – $1,000,000 / $1,000,000 – $528.00
Each Claim / Aggregate Per Agent – $1,000,000 / $2,000,000 – $577.00
Each Claim / Aggregate Per Agent – $1,000,000 / $3,000,000 – $582.00
Each Claim / Aggregate Per Agent – $2,000,000 / $2,000,000 – $628.00
Coverage Level C
- Sale and Servicing of Final Expense
- Medicare Advantage/Supplement
Limit Selection
Each Claim / Aggregate Per Agent – $1,000,000 / $1,000,000 – $321.00
Coverage Level D (New Agent)
- Sale and Servicing of Life Insurance
- Health Insurance
- Long-Term Care
- Disability
- Medicare Supplement/Advantage Insurance
- Final Expense
- Mortgage Life
- Fixed and Indexed Annuities
Limit Selection
Each Claim / Aggregate Per Agent – $1,000,000 / $1,000,000 – $396.00
What does it cost?
First understand what the levels mean.
Level A is regular coverage
Level B is regular coverage plus mutual funds and variable products
Level C is coverage for simple issue products (Medicare Supplement Insurance and Medicare Advantage Plans)
Level D is regular coverage for new agents (licensed less than 24 months)
Annual Pricing
| Limit | Coverage | Cost |
| 1MM/1MM – Regular Coverage | A | $456 |
| 1MM/2MM – Regular Coverage | A | $497 |
| 1MM/3MM – Regular Coverage | A | $501 |
| 2MM/2MM – Regular Coverage | A | $539 |
| 1MM/1MM – Includes MF & Variable Products | B | $528 |
| 1MM/2MM – Includes MF & Variable Products | B | $577 |
| 1MM/3MM – Includes MF & Variable Products | B | $582 |
Monthly Pricing
| Limit | Coverage | Cost | Approx Down | Approx Monthly |
| 1MM/1MM | A | $456 | $164 | $32 |
| 1MM/2MM | A | $497 | $171 | $35 |
| 1MM/3MM | A | $501 | $172 | $35 |
| 2MM/2MM | A | $539 | $179 | $38 |
| 1MM/1MM | B | $528 | $177 | $37 |
| 1MM/2MM | B | $577 | $185 | $41 |
| 1MM/3MM | B | $582 | $186 | $41 |
| 2MM/2MM | B | $628 | $194 | $45 |
| 1MM/1MM | C | $321 | $140 | $22 |
| 1MM/1MM | D | $396 | $154 | $28 |
