Errors & Omissions (E&O) Insurance for Insurance Agencies
Compare Coverage Information for Life & Health Agencies
Find affordable, instant E&O protection for Insurance Agencies. Compare coverage options below.
Level 1
Life & Health Products PLUS Personal Lines Property & Casualty Products
Pricing
Monthly Installments
26
/ month
or
Annual Payment SAVE $60/YEAR
26
/ year
Coverage
- Life, Accident & Health Insurance
- Long Term Care (LTC)
- Disability Insurance
- Medicare Advantage & Supplements
- Employee Benefit Administration
- Fixed & Indexed Annuities
- Mutual Funds & Variable Products
- Auto & Motorcycle Insurance
- Homeowners, Renters & Flood Insurance
- Recreational Vehicles & Watercraft Insurance
- Personal Umbrellas
- Pet Insurance
- Expanded (Surplus) Lines P&C Products
- Commercial Lines P&C Products
$1M per claim / $3M annual aggregate
coverage limits
Protect all your agents and support staff
Prior acts coverage and ERP available
Perks
Includes FREE CE Courses and other
NAPA
Benefits to help you save on:
And so much more! See all
Instant proof of insurance
Level 2
Level 1 Coverage PLUS Commercial Lines Property & Casualty Products
Pricing
Monthly Installments
33
/ month
or
Annual Payment SAVE $60/YEAR
33
/ year
Coverage
- Life, Accident & Health Insurance
- Long Term Care (LTC)
- Disability Insurance
- Medicare Advantage & Supplements
- Employee Benefit Administration
- Fixed & Indexed Annuities
- Mutual Funds & Variable Products
- Commercial Auto Insurance
- Commercial Property & Flood Insurance
- Workers Compensation & Employers Liability
- General & Product Liability
- Business Owners & Commercial Multi-Peril
- Personal Lines P&C Products
- Expanded (Surplus) Lines P&C Products
$1M per claim / $3M annual aggregate
coverage limits
Protect all your agents and support staff
Prior acts coverage and ERP available
Perks
Includes FREE CE Courses and other
NAPA
Benefits to help you save on:
And so much more! See all
Instant proof of insurance
Level 3
Level 2 Coverage PLUS Expanded (Surplus) Lines Property & Casualty Products
Pricing
Monthly Installments
27
/ month
or
Annual Payment SAVE $60/YEAR
27
/ year
Coverage
- Life, Accident & Health Insurance
- Long Term Care (LTC)
- Disability Insurance
- Medicare Advantage & Supplements
- Employee Benefit Administration
- Fixed & Indexed Annuities
- Mutual Funds & Variable Products
- Directors & Officers Liability
- Inland Marine Insurance
- Medical Malpractice & Professional Liability
- Employment Practice Liability
- Fidelity, Surety, Crop, Hail, Wind, Earthquake
- Personal Lines P&C Products
- Commercial Lines P&C Products
$1M per claim / $3M annual aggregate
coverage limits
Protect all your agents and support staff
Prior acts coverage and ERP available
Perks
Includes FREE CE Courses and other
NAPA
Benefits to help you save on:
And so much more! See all
Instant proof of insurance
Schedule A Reminder
FAQs
Contact Us-
Limits, Deductibles & Covered Services
Coverage limits
The maximum amount that can be paid for claims.
Individual Coverage Limits
$1,000,000 per claim / $1,000,000 annual aggregate
$1,000,000 per claim / $2,000,000 annual aggregate
$1,000,000 per claim / $3,000,000 annual aggregate
Group Policy Aggregate
$10,000,000 (except NY)
Looking for individual agent coverage? Please see our Life & Health Agent coverage.
Deductibles
The out of pocket cost for a claim. Also referred to as "retentions."
$0 deductible/retention
For life, health, accident, long term care, disability, 24-hour care, Medicare products, administration of employee benefit plans and fixed annuities claims.
$5,000 deductible/retention
For indexed annuities, variable products, mutual funds or other securities claims.
$5,000 deductible/retention
For personal lines property and casualty insurance claims.
$10,000 deductible/retention
For commercial lines property and casualty insurance claims.
$25,000 deductible/retention
For all flood, earthquake and wind claims (subject to $100,000/$100,000/$1,000,000 sublimit, except NY).
$25,000 deductible/retention
For all expanded commercial (surplus) lines property and casualty insurance claims (subject to $100,000/$100,000/$1,000,000 sublimit, except NY).
Professional Services
The scope of services and the insurance products you're covered to sell and service as an insured under this policy.
This coverage (Level 1) includes the following Life & Health products:
Life Insurance
Accident Insurance
Health Insurance
Long Term Care
Disability Income Insurance
Fixed Annuities
Indexed Annuities
24-Hour Care Coverage
Or Managed Health Care Organization Contracts (as defined by statutory law).
Medicare Advantage
Medicare Supplemental
Administration of Employee Benefit Plans
Variable Life Insurance
Variable Annuities
Mutual Funds
This coverage (Level 1) also includes the following Personal Lines Property & Casualty products from admitted carriers only. Coverage is limited to 49% or less of your total revenues:
Auto Insurance
Homeowners Insurance
Renters Insurance
Flood Insurance*† (Residential)
Motorcycle Insurance
Recreational Vehicle Insurance
Watercraft Insurance
Personal Umbrellas
Pet Insurance
Travel Insurance
*All residential flood claims are subject to $100,000/$100,000/$1,000,000 sublimit (except residents and insureds practicing in NY). Refer to the policy form for more details.
†Coverage for claims arising out of residential flood insurance will require that such insurance be offered, such offer be documented, and, if rejected, such rejection by the insured be documented. The insured must also comply with their state's flood insurance regulations and requirements.If Level 2 coverage is purchased, coverage also includes the following Commercial Lines Property & Casualty products from admitted carriers only. Coverage is limited to 49% or less of your total revenues:
Commercial Auto Insurance*
Commercial Property Insurance
Flood Insurance**† (Commercial)
Workers' Compensation
Employers' Liability
General Liability
Product Liability
Business Owners Policy
Commercial Multi-Peril
*Other than long-haul trucking.
**All commercial flood claims are subject to $100,000/$100,000/$1,000,000 sublimit (except residents and insureds practicing in NY). Refer to the policy form for more details.
†Coverage for claims arising out of commercial flood insurance will require that such insurance be offered, such offer be documented, and, if rejected, such rejection by the insured be documented. The insured must also comply with their state's flood insurance regulations and requirements.If Level 3 coverage is purchased, coverage also includes the following Expanded Commercial (Surplus) Lines Property & Casualty products. With Level 3 coverage, all covered P&C products may come from both admitted and non-admitted carriers*. Coverage for Expanded Commercial Lines products is limited to 10% or less of your total revenues and is subject to a $100,000/$100,000/$1,000,000 sublimit (except NY). Coverage for all other covered P&C products is limited to 49% or less of your total revenues:
Inland Marine Insurance
Medical Malpractice
Professional Liability
Directors & Officers Liability
Employment Practice Liability
Fidelity Bonds
Surety Bonds
Crop Insurance
Hail Insurance
Wind Insurance**
Earthquake Insurance**
*Non-admitted insurance must be placed through a non-affiliated surplus lines broker.
**All wind and earthquake claims are subject to a $100,000/$100,000/$1,000,000 sublimit (except residents and insureds practicing in NY). Refer to the policy form for more details."Professional Services" also includes:
Services As Notary Public
Social Media
In conjunction with all covered Professional Services.
Coverage applies to insured agents who, while acting on behalf of the insured agency, hold the appropriate license in their resident state or jurisdiction, as well as in the state or jurisdiction where the business is conducted.
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Coverage Features & Extended Reporting Period
Coverage Features
The extra perks of your E&O Insurance protection.
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E&O Coverage Includes NAPA Benefits:
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Instant proof of insurance
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Painless automatic renewal
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Multiple limits of liability options
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Prior acts covered (with continuous coverage)
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Extended reporting period available
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Protect all of your agency’s owner(s), employees, independent contracted agents and administrative, clerical & support personnel*
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Social Media coverage**
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Up to $15,000 in pre-claim assistance***
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Available in all 50 states and U.S. territories
*Coverage applies only while working on the agency's behalf. For administrative, clerical, and support personnel: coverage applies only to those who do not earn commission and do not perform duties that require a license. Refer to the policy form for more details.
**Sublimits may apply. Refer to the policy form and application for more details.***Not in addition to the limits of liability. Until the date a claim is made, the insurer may pay, at its sole discretion, up to the noted amount for all reasonable and necessary legal fees and expenses it incurs as a result of representing and, if necessary, defending an insured in connection with a potential claim that the insured reports to the insurer. Refer to the policy form and the application for more details.
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Automatic Extended Reporting Period
Automatic: 1 year
Refer to the policy form for more details about ERP.
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Underwriting, Requirements & Effective Dates
Underwriting Carrier
The carrier providing coverage under this policy.
Policy underwritten by
CNA (Continental Casualty Company)
One or more of the CNA companies provide the products and/or services described. The information is intended to present a general overview for illustrative purposes only. It is not intended to constitute a binding contract.
AM Best Rating
"A+" (Superior) XV
State Authorization
Admitted in all states
Coverage Requirements
Some of the requirements you need to meet in order to be eligible for the policy.
Agency must
Earn less than $3,000,000 in gross annual revenue
If you earn more than $3,000,000 in gross annual revenue, please complete and return a Premium Indication Form for an E&O Insurance quote.
Agency must
Primarily sell and service Life & Health products
This coverage for retail agencies requires that the sale and service of life and health products account for at least 51% of your total revenues. The sale and service of property and casualty products must represent 49% or less of your total revenues. If your agency primarily sells property and casualty products, you'll need our Property & Casualty Agency coverage. If your agency is an IMO, FMO or NMO, you'll need our Life & Health IMO coverage.
Effective Dates
The timeframe in which coverage is in effect.
All policies purchased under this plan are effective on the 1st day of the month and expire after twelve months on the same month and day.
In most cases, past effective dates are available for 45 days from the current date, while future effective dates can be purchased up to 60 days in advance.
When replacing a policy from another carrier, ensure that you never create a gap in coverage greater than 30 days.
Renewal Information
What to expect when your policy renews.
To avoid coverage gaps, all policies purchased under this plan auto-renew with the payment information on file.
You'll be reminded in advance of the renewal about your upcoming automatic payment. You'll also be provided with the renewal terms and eligibility requirements to qualify for renewal. Please note that a non-renewal notice is included in these messages to coincide with the requirements. If you meet the requirements, you may disregard the non-renewal notice.
Refer to the Payments and payment schedule section for more information about what to expect with automatic renewal charges. To non-renew or cancel a policy prior to its expiration, you must complete a cancellation form. If canceling on behalf of someone due to illness, death or other reason, please contact us for assistance.
Exclusions
Exclusions
What's not included with your E&O Insurance policy.
Important: This is not an exhaustive list of exclusions. Additionally, these exclusions have been condensed and do not include their full definitions from the policy form. Refer to the policy form and application for all exclusions and their full definitions.
Intentional Acts
Dishonest, fraudulent, criminal, malicious, purposeful or intentional act.
Bodily Injury & Property Damage
Any actual or alleged bodily injury, including death, sickness, disease, emotional distress, mental anguish, of any person, or property damage.
Claims By Insureds
Claims by or on behalf of a Named Insured against another insured.
Discrimination
Any actual or alleged discrimination, humiliation, harassment or misconduct that relate to an individual's race, creed, color, age, sex, national origin, religion, handicap, marital status or sexual preference.
Owned Entity
Made against the Named Insured's controlled, owned, operated, managed entity; or the entity that the Named Insured was an owner, partner, director, officer or employee of such entity.
Commingling/Illegal Profit
Any actual or alleged commingling or use of client funds; actual or alleged profit, remuneration or pecuniary advantage gained by the insured to which the insured was not legally entitled.
Unsolicited Communications
Any actual or alleged violations of local, state and federal anti-spam statutes and regulations.
Premium/Claim/Tax Monies
Claims relating to the insured's refusal or inability to pay or collect premium, claim or tax monies.
Prior Litigation
Any claim based on, arising from, or in any way related to facts alleged in any litigation against the Named Insured that was pending on or before the inception date of the Named Insured's certificate of insurance.
Wrongful Acts of Broker/Dealers
Any claim based on, arising from, or in any way related to any actual or alleged Wrongful Acts or Interrelated Wrongful Acts by any Broker/Dealer, or any liability of a Broker/Dealer.
Sale or Servicing of Certain Products
Limited partnerships, real estate investment trust, tenant in common (1031 exchanges) exchange traded funds, unit investment trust, auction rate securities, inverse exchange traded funds, structured settlements, life settlements, STOLI, SPIN-LIFE, employee benefit plans (other than group life and group health plans), KEOGH retirement plans, any life insurance policy in which the premium was paid in part or fully through a premium finance mechanism or company, health care sharing ministry products, securities (other than mutual funds, variable life insurance and variable annuities).
Investment in Specified Securities or Funds
Use of securities not registered with the Securities and Exchange Commission.
Churning
Any actual or alleged churning or excess trading.
Securities & Investment Claims
Any actual or alleged violation of laws of any state (or federal) relating to the transaction arising out of, involving, or relating to the public offering of securities.
Trade Secrets
Any actual or alleged misappropriation of trade secrets obtained by the Named Insured prior to commencing employment with the Named Insured.
Governmental Orders
Any action or order by any domestic or foreign law enforcement, administrative, regulatory or judicial body or other governmental authority.
Unfair Competition/Antitrust Claims/RICO Claims
Unfair competition, dilution, deceptive trade practices, civil actions for consumer fraud or false or deceptive advertising or misrepresentation in advertising; charges of price fixing, monopolization or restraint of trade; violation of the Federal Trade Commission Act and any other federal statutory provision regarding antitrust, monopoly, price discrimination, predatory pricing or restraint of trade.
War
Based upon or arising out of any war (declared or otherwise), warlike operation, hostilities, invasion, popular or military uprising or activities, insurrection, rebellion, revolution, or terrorism (whether certified or not) by an individual or group or any action taken by governmental authorities in hindering or defending against any of these.
Claims By Specified Persons
Any claim brought by or on behalf of certain related individuals or entities, including a Named Insured's family members, entities owned, controlled, or managed by a Named Insured, or persons or entities with a 10% or greater ownership interest in an Insured entity. It also excludes claims by other Insureds, clearing agencies, most Broker/Dealers, and governmental or self-regulatory bodies (unless an official brings the claim solely as a direct Client and not in an official capacity).
Contractual Liability/Promises/Guarantees
Any claim arising from liability a Named Insured assumes under a contract or agreement, except to the extent the Named Insured would be liable even without that contract. Further, this includes claims based on any actual or alleged promises or guarantees regarding interest rates, market value of investments or insurance products, or future premium payments.
Additional Coverage Information
Pricing
All listed prices include $60 NAPA membership dues and a $115 administration fee.
If paying monthly, your down payment includes one month's premium, NAPA dues, administrative fees and a $5 monthly processing fee.
Payments & Payment Schedule
Initial payment (down payment or annual payment) is processed immediately upon completing your coverage purchase.
Monthly payment deductions will be automatically taken from the payment information on file beginning the 1st of each month after the enrollment effective date.
Late and rejected payments may incur a fee and be subject to policy cancellation. Please submit payment or contact us as soon as possible when a payment is rejected or late.
Policies may be paid off early with no penalty. Contact us to request an early policy payoff. Please note that paying your policy off early does not change your payment frequency at renewal.
This E&O Insurance policy automatically renews with the payment information on file. If you paid monthly for the previous policy period, a down payment will be collected from the payment information on file. Monthly payments will continue on the same 1st of each month schedule. If you paid annually for the previous policy period, a full annual payment will be collected from the payment information on file. To change between monthly and annual payment frequencies at renewal, please contact us.
Changes to your payment method should be made at least 2 business days prior to the next charge date.
Payment types accepted: Mastercard, Visa, American Express, Discover and ACH/EFT (checking/savings accounts).
Cancellation Policy
Policies can be canceled at any time, effective on the next available date (the first of the upcoming month), provided they are canceled at least three business days before the end of the current month.
If requested after this time, policy cancellation will be effective for the next available date (the first of the month after next).
Administrative fees, NAPA membership dues and minimum earned premium are non-refundable.
To cancel or non-renew a policy, you will need to complete a cancellation form. If canceling on behalf of someone due to illness, death or other reason, please contact us for assistance.
Reinstatements
Reinstatement of a canceled or expired policy - to avoid a gap in coverage - may be available depending on the lapse time, payment history and other factors. Please contact us for assistance if you wish to reinstate a policy.
Claims Made & Reported Policy
Like most professional liability and errors and omissions insurance policies, this is a claims-made and reported policy. Claims must be reported during the policy period or during an extended reporting period (ERP).
"Claims made and reported" policies differ from "occurrence" policies because coverage must be in place both when a claim is made against the named insured and when the underlying incident occurred. If there is a gap in E&O coverage, claims related to incidents that occurred before or during the gap are not covered, even if new E&O coverage is in place.
Sublimits
All flood, earthquake and wind claims are subject to a $100,000/$100,000/$1,000,000 sublimit (except residents and insureds practicing in NY).
All expanded commercial lines property and casualty products are subject to a $100,000/$100,000/$1,000,000 sublimit (except residents and insureds practicing in NY).
Additional sublimits may apply. Refer to the policy form for complete coverage terms and conditions. Please note that only the relevant insurance policy can provide the actual terms, coverages, amounts, conditions and exclusions for an insured. All products and services may not be available in all provinces and may be subject to change without notice.
Policy aggregate limit of liability is not applicable to those agents and registered representatives who are residents of or practice in New York State.
Prior Acts
Prior acts are covered back to the first day of continuous E&O coverage, including coverage with another E&O carrier, provided the insured has maintained uninterrupted E&O coverage for the same products that are purchased under this policy. Prior acts for products not purchased under this policy are not covered, even if E&O coverage for those products was previously maintained with another E&O carrier. Please refer to the policy form for claim reporting provisions, the definition of a claim, the prior acts definition and ERP details.
Claims
For details on how to file an E&O claim, please contact us. Claims must be submitted as soon as practicable in writing to the insurer. Coverage only applies to claims first made during the policy period. Claims must be reported during the policy period or during an extended reporting period (ERP). Please refer to the policy form for claim reporting provisions, the definition of a claim, the prior acts definition and ERP details.
Claims history, among other underwriting requirements, determines program eligibility. Refer to the policy form and the application for more details.
Coverage Changes
If you need to make coverage changes, please contact us for assistance. Coverage changes may require a new application and cancellation form to process.
To update your account information, such as address or contact details, log in to your NAPA account to make these changes.
Other Coverage Details
Defense costs reduce the limit of liability and are subject to the retention. Punitive damages are not covered by the policy. Refer to the policy form for the definition of defense costs and punitive damages.
Includes coverage for ACA-compliant health insurance products sold through the Health Insurance Marketplace.
Insolvency coverage on products sold from A.M. Best-rated "B+" or better admitted carriers at the time of sale.
This is a claims made and reported policy and provides coverage for claims that arise from the sale and servicing of self-funded group health plans if they are funded in whole or in part by an insurance company or product and claim losses are not resultant of any employer’s, insurer’s, or any other entities insolvency or inability to pay beneficiary claims made under such plans. Multiple employer trust or welfare arrangements (MEWAs) are not covered.
Not sure if an Individual Agent or an Agency policy is right for you? Compare them to ensure you choose the right coverage.
Policy Form, Disclosures & Endorsements
Policy Form
Master policy effective 03/01/2026 to 03/01/2027 | View PDF
Disclosures
Non-admitted insurance must be placed through a non-affiliated surplus lines broker. No more than 10% of the insured's revenue can be derived from products under expanded coverage.
Please note that only the relevant insurance policy can provide the actual terms, coverages, amounts, conditions and exclusions for an insured. All products and services may not be available in all states and may be subject to change without notice.
"CNA" is a registered trademark of CNA Financial Corporation. Certain CNA Financial Corporation subsidiaries use the "CNA" service mark in connection with insurance underwriting and claims activities. Copyright © 2025 CNA. All rights reserved. www.cna.com CNA is an A.M. Best "A+" (Superior) XV rated carrier.
This errors and omissions coverage is placed with an admitted carrier. Please reference the A.M. Best rating and disclosures document for an explanation of admitted and non-admitted carriers.
You can manage your renewal notice delivery options by logging into your account. Refer to the policy form for more details on covered professional services and exclusions.
By enrolling in this insurance policy, the applicant agrees to become a non-voting member of Professional Agents Risk Purchasing Group, Inc. ("PARPG"). PARPG is a Delaware non-profit corporation that provides liability insurance for its members as a "Purchasing Group" in accordance with the Federal Liability Risk Retention Act (15 U.S.C. § 3901 et seq.). Each member of PARPG is covered for separate limits of liability and is required to pay all premiums when due.
For complete details on covered professional services and exclusions, please refer to the policy form.
All policy-related documents and communications are delivered in electronic format by default (where allowable by law).
This E&O insurance program is administered by NAPA. Program administrative services include policy review and issuance, premium billing and invoicing, mid-term policy changes, coordination and issuance of certificates of insurance, online enrollment and account management and a dedicated customer support team with phone, chat and online contact features.
Refer to the policy form for additional definitions, terms, and conditions. Please contact us with any questions or concerns; you can also visit our Frequently Asked Questions for additional information.
State Endorsements
Some states have specific amendatory endorsements to the policy form. View Endorsements
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