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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.

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 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 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 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, Allianz 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 Allianz?

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

Member Applications:

New Business Application

Renewal Business Application

Non-Member Applications:

New Business Application

Renewal Business Application

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 Guardian
The Big 'I's Risk Management website, E&O Guardian, includes claims data, case studies, prevention tools, and more for Swiss Re Corporate Solutions policyholders. A must have resource for agents looking to mitigate their E&O exposures!

Learn More >>