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Insurance Agent E&O

In today’s litigious society, all insurance agents & brokers need Errors & Omissions coverage to protect them from suits filed by their clients, insurers, or other third parties.

Usually, a claim is made when an agent’s insured client has an insurance claim that is denied. The insurance agent is then sued for negligence in placing incorrect or inadequate coverage for their client.

Coverage Eligibility
  • Personal, Commercial, & Life/Accident/Health Agents & Brokers
  • Managing General Agents (MGAs) & Underwriters (MGUs)
  • Program Administrators
  • Wholesale & Surplus Lines Brokers
  • Risk Managers/Loss Control
  • Third Party Administrators/Claims Administrators
  • Reinsurance Intermediary
  • Other non-risk bearing insurance services
  • Agents/Brokers with claims history
Policy Highlights

Coverage for:

  • Duty to Defend Wording
  • Claims Made Coverage
  • Broad Definition of Insured
  • Coverage for Independent Contractors while acting on behalf of the Insured
  • Broad Definition of Professional Services
  • Multi-year Extended Reporting Period Options
  • Worldwide Coverage
  • Punitive Damages Coverage where insurable
  • Deductible Credit/Reduction for mediated claims
  • Final Adjudication Language
  • Supplementary Payments
  • Subpoena & Disciplinary Proceedings Coverage
  • Personal Injury Coverage
Optional Coverage Enhancements
  • Defense Outside of the Limit of Liability
  • First Dollar Defense
  • Privacy & Network Security Coverage
  • No Exclusions for Carrier Insolvency
  • Coverage for Mutual Fund and Variable Annuity Sales
  • Full Prior Acts Coverage

Capitol Special Risks is a Professional Liability wholesale provider. The coverages, highlights, and enhancements represented are indications of market availability through CSRisks, but are not guarantees of coverage offerings. Please refer to the actual indications, specimen forms, and endorsements for complete terms and conditions.