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E&O


When it comes to protecting your agency, you cannot settle for anything but the very best. 

That's why we offer policies from the top two E&O companies nationwide.

Every month, we work with agencies to see if we can offer them a better policy for their E&O coverage. The process is simple and it allows you to see where you stand with your current carrier -  and if we can do better. Who wouldn't want that information? 

Get started by scheduling a time to speak with Amy Rizer or requesting an online estimate.

Keep in mind that you do not need to be a member to receive E&O coverage from the association.

Get in touch:

Amy Rizer, CPCU, RPLU
Director of Insurance Programs, ext - 116

Lynda Peroni, ACSR
Customer Service Representative, ext-123

 




The largest writer of agents Errors & Omissions insurance in the country. 

Swiss Re/Westport has the strongest coverage in the marketplace and provides solid core coverage, as well as coverage units, to protect your agency against other exposures of concern. 
For more than 20 years, Swiss Re/Westport has been the nationally endorsed carrier of the Big 'I' Professional Liability Program.
 

Sample Features and Benefits:

  • Coverage for the sale of Property/Casualty and Life/Health insurance products
  • Limits of liability up to $20 million
  • Broad definition of covered professional services and activities
  • Comprehensive definition of 'who is an insured'
  • Aggregate deductibles
  • Defense cost outside the limits
  • First dollar defense availability
  • Full prior acts availability
  • No contractual liability exclusion
  • Coverage for punitive damages (where available by states and covered by insuring agreements)
  • Multiple extended reporting period options
  • True worldwide protection
  • Coverage for advertising, including libel and slander
  • Catastrophe expense $25,000/policy period
  • Subpoena coverage $10,000/policy period
  • 1st party personal data breach (cyber) $25,000/policy period
  • 3rd party personal data breach (cyber) $1,000,000 sublimit
  • Deductible reduction up to $12,500/claim for risk management activites

Why Swiss Re?

  • Exclusive loss prevention resources including: risk managment website, E&O Happens newsletter, E&O Claims Advisor, and E&O self audit guide.
  • An exclusive policy form and premium credits filed on a Risk Purchasing Group basis giving Big 'I' members tailored coverage.
  • A dedicated claims staff focusing solely on defending insurance agents E&O claims. (70% of claims personnel are attorneys.)
  • Rated A+ (superior) by A.M. Best.



Statements on this web site as to policies and coverages provide general information only. This information is not an offer to sell insurance.  Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise, e-mail, voice mail or facsimile. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly by a licensed agent. Please contact our office at 609-587-4333 to discuss specific coverage details and your insurance needs. All coverages are subject to the terms, conditions and exclusions of the actual policy issued.


 

Bonus! Big I New Jersey members receive a discount on their Swiss Re/ Westport E&O policies.

 Download the Application


Real Estate E&O Application


 EPL Application

(For agencies with less than ten employees.)


Questions?

Contact Amy Rizer at 609-587-4333 with questions or to get a quote.


 


 

An industry leader in providing liability coverage for agents and brokers against errors and omissions (E&O). 

With more than 25 years of experience, Firemans Fund is the second largest writer of Agents E&O coverage in the country.
 
Sample Features and Benefits:
  • State of the art coverage form
  • Coverage for the sale of both P&C and L&H
  • $10,000/$30,000 catastrophe claims extra expense included with no additional premium charge
  • $35,000 regulatory investigation defense expense coverage per policy
  • Up to 60 days after end of policy period to report claims and purchase extended reporting provision
  • $500 per day supplementary payments for expenses incurred in aiding the defense of any claim
  • Expert witness testimony covered
  • Protection when you train, manage, or supervise a client in the selling of insurance products
  • Immediate predecessor firm coverage
  • Aggregate deductible applies
  • Broad definition of 'who is an insured'
  • Broad definition of covered professional services and activities, including available first dollar defense and policy limits available up to $10 million
  • Retroactive coverage and extended reporting periods offered
  • Choice of three endorsements for sal of financial services products
  • Market quality insolvency coverage
  • Three tiered employment practices liability offered by endorsement

Why Firemans Fund?

  • Long-standing market player in Agent's E&O
  • Rated A Excellent by A. M. Best and written on admitted paper
  • Dedicated claims staff focused exclusivley on insurance E&O claims 
  • Broad coverage tailored to insurance agencies



Statements on this web site as to policies and coverages provide general information only. This information is not an offer to sell insurance.  Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise, e-mail, voice mail or facsimile. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly by a licensed agent. Please contact our office at 609-587-4333 to discuss specific coverage details and your insurance needs. All coverages are subject to the terms, conditions and exclusions of the actual policy issued.

Virtual Risk Consultant
The VRC is the Big 'I's web-based resource designed to help agents understand their customer's operation and exposures while identifying applicable coverages. The VRC offers agency's tools such as an E&O checklist, sales and marketing tools, proposal language, training, development, and support.

Learn More >>

E&O Happens
The Big 'I's Risk Management website, E&O Happens, includes claims data, case studies, prevention tools, and more for Swiss Re Corporate Solutions policyholders.

Learn More >>