​​The Big 'I' Professional Liability Program offers members nationally endorsed
products that are consistent with supporting the independent agency system. Each of our staff members specialize in Insurance Agent's Errors & Omissions Coverage to provide you with expertise, guide you through the claims process, and keep your agency protected.

If you have questions about your E&O Policy, contact:

Lynda Peroni, ACSR:, 609-587-4333 

Amy Rizer, CPCU, RPLU:, 609-587-4333

Looking for E&O Coverage?



Did You Know.... 

You do not need to be a member of BigI New Jersey to receive E&O coverage from the association.


Swiss Re/Westport is 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 insure 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.

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

Real Estate Agents E&O
The Swiss Re/Westport Program offers agents a Real Estate E&O option that allows independent insurance agents who have real estate operations the opportunity to have their real estate professional liability covered under the same policy as their insurance professional.

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Download the Coverage Application


EPL Coverage
Swiss Re/Westport offers policyholders that employ 10 people or less EPL coverage.

Download the Coverage Application


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Why Swiss Re?

  • Exclusive loss prevention resources including: risk managment website, E&O Happens - their risk management 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.

Did you know that Big I New Jersey members receive a discount on their Swiss Re/ 
Westport E&O policies?

              Contact Big I New Jersey's 
              membership department 
              today to learn more.

Fireman's Fund is an industry leader in providing liability coverage for agents and brokers against errors and omissions (E&O). With more than 25 years of experience, Fireman’s Fund is the second largest writer of Agents E&O coverage in the country.
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 Fireman’s 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.



Big I New Jersey Members:

New Business
(Submissions should made on an electronic basis with an electronic signature on the application.)



New Business


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.

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

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