Final Expense Agent Mentor LLC Errors & Omissions Insurance Program

E&O Insurance for Final Expense Agent Mentor LLC life & health newly licensed agents

Apply Now
  • About This Coverage
  • Pricing Information
  • Program Features
  • Underwriter
  • Disclosures
  • Program Administrator

($1M/$3M limits only. For higher limits, please choose Life and Health Agents option.)

  • This Errors and Omissions insurance program is designed exclusively for newly licensed Life & Health Agents that apply within two years of receiving their first original issued state Life & Health Agent license and have commission income of less than $100,000 for the 12 months prior to enrolling. $1M/$3M limits only. For higher limits, please choose Life and Health Agents option.
  • Not sure if an Individual Agent or an Agency policy is right for you? Learn more.
Coverage Limits
  • $1 Million per claim / $3 Million annual aggregate
Deductibles and Retentions
  • $0 retention/deductible for claims arising from life, health, accident, disability insurance, and fixed and indexed annuities
  • $5,000 retention/deductible for all other covered claims (e.g. variable products and mutual funds)
Pay in full or choose monthly payments via credit card or electronic funds transfer (EFT). For those customers that select the monthly payment option, your credit card or EFT will be processed on the first of each month.
  • To be eligible for newly licensed agent pricing, you must apply within two years of receiving your first original issued insurance agent license and have commission income of less than $100,000 for the 12 months prior to enrolling. Pricing shown is for Newly Licensed Agents earning less than $100,000 in net annual commissions with a coverage limit of $1,000,000 per "claim"/$3,000,000 annual aggregate.
  • Newly Licensed Agent Pricing includes $60.00 NAPA membership dues and a $40.00 administration fee. Down payment refers to monthly payment option. Your down payment includes one month's premium, NAPA dues, administrative fees and a $5.00 monthly processing fee.
  • Down payments will be processed immediately; monthly deductions as shown above will begin the first of the month after enrollment effective date.
  • At the time of enrollment, each agent will be required to make a non-refundable payment in the amount of the first month’s premium (minimum earned premium). Administrative fees, NAPA dues, and minimum earned premium are non-refundable.

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.

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). Prior acts are covered back to the first day of continuous E&O coverage. Please refer to the policy form for claim reporting provisions and definition of a claim, prior acts definition, and ERP details.

Coverage for:*

  • Regulatory Defense
  • Social Media
  • Network Risk & Privacy Claim
  • Military Activation Coverage

More Features

  • Monthly payment options
  • Available in all 50 states and U.S. territories
  • Includes coverage for ACA compliant health insurance products sold through the Health Insurance Marketplace
  • Policy includes $25,000 for Privacy Claims subject to a $250,000 policy aggregate. See policy for details.
  • A master policy annual aggregate of $50,000,000**
  • Insolvency coverage on products sold from A.M. Best rated "A-" or better admitted carriers at time of sale
  • 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.
  • Instant proof of insurance upon arrival
  • Painless automatic renewal
  • Provides coverage for any affiliated corporation, partnership or agency for their liability arising out of the individual insured's professional services
  • Provides coverage for your administrative, clerical and support personnel while they are acting on your behalf.
  • $0 Deductible/Retention for most products. See policy for details.
  • Extended Reporting Period Available - see policy for details
  • Peace of mind knowing you've got NAPA's E&O expertise since 1989 on your side

*Sublimits may apply. See policy for complete coverage terms and conditions. Please remember 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.

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.

Please remember 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" (Excellent) XV rated carrier.

  • This errors and omissions coverage is placed with an admitted carrier. Please reference the A.M. Best rating and disclosures link below for an explanation of admitted and non-admitted carriers.

All policy documents are delivered in electronic format by default.

You can manage your renewal notice delivery options by visiting "My Account" menu option at the top of the page. Refer to the policy form by clicking on the Policy button at the top of the page for more details on covered professional services and exclusions. A.M. Best rating and other disclosures.

  • All policy related documents and communications are delivered in electronic format where allowable by law.
  • 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.

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.

E&O Insurance for Final Expense Agent Mentor LLC Life & health agents

Apply Now
  • About This Coverage
  • Pricing Information
  • Program Features
  • Underwriter
  • Disclosures
  • Program Administrator
Coverage Limits
  • $1 Million per claim / $3 Million annual aggregate base limits.
  • $2 Million per claim / $2 Million annual aggregate
Deductibles and Retentions
  • $0 retention/deductible for claims arising from life, health, accident, disability insurance, and fixed and indexed annuities
  • $5,000 retention/deductible for all other covered claims (e.g. variable products and mutual funds)
Pay in full or choose monthly payments via credit card or electronic funds transfer (EFT). For those customers that select the monthly payment option, your credit card or EFT will be processed on the first of each month.
  • Pricing shown is for agents earning less than $250,000 in net annual commissions with a coverage limit of $1,000,000 per "claim"/$3,000,000 annual aggregate.
  • Pricing includes $60.00 NAPA membership dues and a $45.00 administration fee. Down payment refers to monthly payment option. Your down payment includes one month's premium, NAPA dues, administrative fees and a $5.00 monthly processing fee.
  • Down payments will be processed immediately; monthly deductions as shown above will begin the first of the month after enrollment effective date.
  • At the time of enrollment, each agent will be required to make a non-refundable payment in the amount of the first month’s premium (minimum earned premium). Administrative fees, NAPA dues, and minimum earned premium are non-refundable.

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.

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). Prior acts are covered back to the first day of continuous E&O coverage. Please refer to the policy form for claim reporting provisions and definition of a claim, prior acts definition, and ERP details.

Coverage for:*

  • Regulatory Defense
  • Social Media
  • Network Risk & Privacy Claim
  • Military Activation Coverage

More Features

  • Monthly payment options
  • Available in all 50 states and U.S. territories
  • Includes coverage for ACA compliant health insurance products sold through the Health Insurance Marketplace
  • Policy includes $25,000 for Privacy Claims subject to a $250,000 policy aggregate. See policy for details.
  • A master policy annual aggregate of $50,000,000**
  • Insolvency coverage on products sold from A.M. Best rated "A-" or better admitted carriers at time of sale
  • 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.
  • Instant proof of insurance upon arrival
  • Painless automatic renewal
  • Provides coverage for any affiliated corporation, partnership or agency for their liability arising out of the individual insured's professional services
  • Provides coverage for your administrative, clerical and support personnel while they are acting on your behalf.
  • $0 Deductible/Retention for most products. See policy for details.
  • Extended Reporting Period Available - see policy for details
  • Peace of mind knowing you've got NAPA's E&O expertise since 1989 on your side

*Sublimits may apply. See policy for complete coverage terms and conditions. Please remember 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.

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.

Please remember 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" (Excellent) XV rated carrier.

  • This errors and omissions coverage is placed with an admitted carrier. Please reference the A.M. Best rating and disclosures link below for an explanation of admitted and non-admitted carriers.

All policy documents are delivered in electronic format by default.

You can manage your renewal notice delivery options by visiting "My Account" menu option at the top of the page. Refer to the policy form by clicking on the Policy button at the top of the page for more details on covered professional services and exclusions. A.M. Best rating and other disclosures.

  • All policy related documents and communications are delivered in electronic format where allowable by law.
  • 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.

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.

E&O Insurance for Final Expense Agent Mentor LLC Life & Health Agents Medicare Products Only

Apply Now
  • About This Coverage
  • Pricing Information
  • Program Features
  • Underwriter
  • Disclosures
  • Program Administrator
  • Important Coverage Notification! Please Read: Coverage under this plan option (including prior acts) will be limited to acts as a licensed Life and/or Health insurance agent selling Medicare Advantage, Medicare Supplemental, and Medicare Part D Only. Sale and Servicing of any other products will not be covered, even if you had coverage for other products on a previous E&O policy.
  • Not eligible for this program? Search other E&O programs.
Coverage Limits
  • $1 Million per claim / $1 Million annual aggregate
Deductibles and Retentions
  • $0 for Medicare Product Claims

$1 Million per claim / $1 Million annual aggregate
Medicare Only: Includes Medicare Advantage, Medicare Supplemental, and Medicare Part D Products Only. Sale and Servicing of any other products will not be covered including prior acts coverage, even if you had coverage for other products on a previous E&O policy.

$27.42/mo
with $132.42 down
or pay $374 in full
Apply Now
Pay in full or choose monthly payments via credit card or electronic funds transfer (EFT). For those customers that select the monthly payment option, your credit card or EFT will be processed on the first of each month.
  • Pricing includes $60.00 NAPA membership dues and a $45.00 administration fee. Down payment refers to monthly payment option. Your down payment includes one month's premium, NAPA dues, administrative fees and a $5.00 monthly processing fee.
  • Down payments will be processed immediately; monthly deductions as shown above will begin the first of the month after enrollment effective date.
  • At the time of enrollment, each agent will be required to make a non-refundable payment in the amount of the first month’s premium (minimum earned premium). Administrative fees, NAPA dues, and minimum earned premium are non-refundable.

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.

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). Prior acts are covered back to the first day of continuous E&O coverage. Please refer to the policy form for claim reporting provisions and definition of a claim, prior acts definition, and ERP details.

  • Medicare Only Option: Includes coverage for Medicare Advantage, Medicare Supplemental and Final Expense products only.

    • Coverage under this plan option (including prior acts) will be limited to acts as a licensed Life and/or Health insurance agent selling Medicare Advantage, Medicare Supplemental, and Final Expense Only. Sale and Servicing of any other products will not be covered, even if you had coverage for other products on a previous E&O policy.

*Sublimits may apply. See policy for complete coverage terms and conditions. Please remember 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.

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.

Please remember 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" (Excellent) XV rated carrier.

  • This errors and omissions coverage is placed with an admitted carrier. Please reference the A.M. Best rating and disclosures link below for an explanation of admitted and non-admitted carriers.

All policy documents are delivered in electronic format by default.

You can manage your renewal notice delivery options by visiting "My Account" menu option at the top of the page. Refer to the policy form by clicking on the Policy button at the top of the page for more details on covered professional services and exclusions. A.M. Best rating and other disclosures.

  • All policy related documents and communications are delivered in electronic format where allowable by law.
  • 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.

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.

E&O Insurance for Final Expense Agent Mentor LLC Life & health newly licensed agents plus P&C

Apply Now
  • About This Coverage
  • Pricing Information
  • Program Features
  • Underwriter
  • Disclosures
  • Program Administrator

($1M/$1M limits only. For higher limits, please choose Life and Health Agents Plus P&C option.)

  • This Errors and Omissions insurance program is designed exclusively for newly licensed Life & Health Agents that also sell Property & Casualty products. Agents must apply within two years of receiving their first original issued state Life & Health Agent license and have commission income of less than $100,000 for the 12 months prior to enrolling. Agents must generate at least 51% of revenues from the sale & service of Life & Health products. $1M/$1M limits only. For higher limits, please choose Life and Health Agents Plus P&C option.
  • Not sure if an Individual Agent or an Agency policy is right for you? Learn more.
Coverage Limits
  • $1 Million per claim / $1 Million annual aggregate
  • $1 Million per claim / $1 Million annual aggregate sub-limit applies for P&C Claims
Deductibles and Retentions
  • $0 for claims arising from life, health, disability, long-term care products and annuities (other than indexed annuities).
  • $5,000 for claims arising from indexed annuities, variable products, mutual funds or other securities
  • $5,000 for claims involving personal lines property & casualty insurance
  • $10,000 for claims involving commercial lines insurance
  • $25,000 for Flood Insurance: Flood Insurance is subject to a $100,000/$100,000/$1,000,000 sublimit
Pay in full or choose monthly payments via credit card or electronic funds transfer (EFT). For those customers that select the monthly payment option, your credit card or EFT will be processed on the first of each month.
  • Incidental Personal Lines P&C coverage includes: auto, recreational vehicles, watercraft, motorcycle, homeowners, renters, personal umbrellas, pet insurance and flood. Admitted Carriers Only. Total P&C revenues must be less than 25% to be eligible for the pricing above.
  • Additional coverage options are available, including higher percentages of property and casualty revenue. Sublimits and Exclusions apply. See policy for full details.
  • Pricing for newly licensed agents includes $60.00 NAPA membership dues and administration fees as follows:
    • Option A, B, C with Personal Lines P&C only (less than 25% of total revenues): $70.00
    • All other options: $80.00
  • Down payment includes one month's premium, NAPA dues and administrative fees, and a $5.00 monthly processing fee. Monthly deductions as shown above will begin the first of the month after enrollment effective date.
  • Down payments will be processed immediately; monthly deductions as shown above will begin the first of the month after enrollment effective date.
  • At the time of enrollment, each agent will be required to make a non-refundable payment in the amount of the first month’s premium (minimum earned premium). Administrative fees, NAPA dues, and minimum earned premium are non-refundable.

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.

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). Prior acts are covered back to the first day of continuous E&O coverage. Please refer to the policy form for claim reporting provisions and definition of a claim, prior acts definition, and ERP details.

  • Painless automatic renewal
  • Policy is designed for services as a life and health insurance agent who also writes property and casualty insurance
  • Includes Life, Accident, Health, Disability, LTC, including Medicare Advantage & Medicare Supplements Plus Incidental Personal Lines P&C (less than 25% of total revenues)
  • Additional Coverage Options for Fixed & Indexed Annuities, Variable Products & Mutual Funds
  • Additional Coverage Options for P&C include:
    • Incidental Personal Lines P&C (less than 50% of total Revenues)
    • Incidental Personal & Commercial Lines P&C (less than 50% of total Revenues)
  • Personal Lines P&C includes coverage for auto, recreational vehicles, watercraft, motorcycle, homeowners, renters, personal umbrellas, pet insurance and flood. Admitted Carriers only.*
  • Commercial Lines P&C includes workers compensation and employers liability, general and product liability, business owners and commercial multi-peril, auto (other than long haul trucking), property, and flood. Admitted carriers only.**
  • A policy aggregate of $10,000,000***

    *Sublimits & Exclusions Apply. See Policy for full details.
    **Coverage for claims arising out of flood insurance will require that such insurance be offered, such offer be documented and if rejected, such rejection by the insured documented. The agent must also comply with his/her state regulations/requirements involving flood insurance.
    ***Policy aggregate limit of liability is not applicable to those agents and registered representatives who are residents of or practice in New York State.

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.

Please remember 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" (Excellent) XV rated carrier.

  • This errors and omissions coverage is placed with an admitted carrier. Please reference the A.M. Best rating and disclosures link below for an explanation of admitted and non-admitted carriers.

All policy documents are delivered in electronic format by default.

You can manage your renewal notice delivery options by visiting "My Account" menu option at the top of the page. Refer to the policy form by clicking on the Policy button at the top of the page for more details on covered professional services and exclusions. A.M. Best rating and other disclosures.

  • All policy related documents and communications are delivered in electronic format where allowable by law.
  • 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.

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.

E&O Insurance for Final Expense Agent Mentor LLC Life & health agents plus P&C

Apply Now
  • About This Coverage
  • Pricing Information
  • Program Features
  • Underwriter
  • Disclosures
  • Program Administrator
Coverage Limits
  • $1 Million per claim / $1 Million annual aggregate
  • $1 Million per claim / $2 Million annual aggregate
  • $1 Million per claim / $3 Million annual aggregate
  • $1 Million per claim / $1 Million annual aggregate sub-limit applies for P&C Claims
  • $2 Million per claim / $2 Million annual aggregate
Deductibles and Retentions
  • $0 for claims arising from life, health, disability, long-term care products and annuities (other than indexed annuities).
  • $5,000 for claims arising from indexed annuities, variable products, mutual funds or other securities
  • $5,000 for claims involving personal lines property & casualty insurance
  • $10,000 for claims involving commercial lines insurance
  • $25,000 for Flood Insurance: Flood Insurance is subject to a $100,000/$100,000/$1,000,000 sublimit
Pay in full or choose monthly payments via credit card or electronic funds transfer (EFT). For those customers that select the monthly payment option, your credit card or EFT will be processed on the first of each month.
  • Incidental Personal Lines P&C coverage includes: auto, recreational vehicles, watercraft, motorcycle, homeowners, renters, personal umbrellas, pet insurance and flood. Admitted Carriers Only. Total P&C revenues must be less than 25% to be eligible for the pricing above.
  • Additional coverage options are available, including higher percentages of property and casualty revenue. Sublimits and Exclusions apply. See policy for full details.
  • ADDITIONAL COVERAGE LIMITS & INCOME TIER PRICING ARE AVAILABLE. Pricing shown is for agents earning less than $250,000 in gross annual commissions & fees and is based on a coverage limit of $1,000,000 per claim / $1,000,000 annual aggregate.
  • Pricing for standard life and health agents includes $60.00 NAPA membership dues and administration fees as follows:
    • Option A, B, C with Personal Lines P&C only (less than 25% of total revenues): $75.00
    • All other options: $85.00
  • Down payment includes one month's premium, NAPA dues and administrative fees, and a $5.00 monthly processing fee. Monthly deductions as shown above will begin the first of the month after enrollment effective date.
  • Down payments will be processed immediately; monthly deductions as shown above will begin the first of the month after enrollment effective date.
  • At the time of enrollment, each agent will be required to make a non-refundable payment in the amount of the first month’s premium (minimum earned premium). Administrative fees, NAPA dues, and minimum earned premium are non-refundable.

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.

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). Prior acts are covered back to the first day of continuous E&O coverage. Please refer to the policy form for claim reporting provisions and definition of a claim, prior acts definition, and ERP details.

  • Painless automatic renewal
  • Policy is designed for services as a life and health insurance agent who also writes property and casualty insurance
  • Includes Life, Accident, Health, Disability, LTC, including Medicare Advantage & Medicare Supplements Plus Incidental Personal Lines P&C (less than 25% of total revenues)
  • Additional Coverage Options for Fixed & Indexed Annuities, Variable Products & Mutual Funds
  • Additional Coverage Options for P&C include:
    • Incidental Personal Lines P&C (less than 50% of total Revenues)
    • Incidental Personal & Commercial Lines P&C (less than 50% of total Revenues)
  • Personal Lines P&C includes coverage for auto, recreational vehicles, watercraft, motorcycle, homeowners, renters, personal umbrellas, pet insurance and flood. Admitted Carriers only.*
  • Commercial Lines P&C includes workers compensation and employers liability, general and product liability, business owners and commercial multi-peril, auto (other than long haul trucking), property, and flood. Admitted carriers only.**
  • A policy aggregate of $10,000,000***

    *Sublimits & Exclusions Apply. See Policy for full details.
    **Coverage for claims arising out of flood insurance will require that such insurance be offered, such offer be documented and if rejected, such rejection by the insured documented. The agent must also comply with his/her state regulations/requirements involving flood insurance.
    ***Policy aggregate limit of liability is not applicable to those agents and registered representatives who are residents of or practice in New York State.

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.

Please remember 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" (Excellent) XV rated carrier.

  • This errors and omissions coverage is placed with an admitted carrier. Please reference the A.M. Best rating and disclosures link below for an explanation of admitted and non-admitted carriers.

All policy documents are delivered in electronic format by default.

You can manage your renewal notice delivery options by visiting "My Account" menu option at the top of the page. Refer to the policy form by clicking on the Policy button at the top of the page for more details on covered professional services and exclusions. A.M. Best rating and other disclosures.

  • All policy related documents and communications are delivered in electronic format where allowable by law.
  • 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.

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.

E&O Insurance for Final Expense Agent Mentor LLC property & casualty agents

Apply Now
  • About This Coverage
  • Pricing Information
  • Program Features
  • Underwriter
  • Disclosures
  • Program Administrator
  • This Errors and Omissions insurance program is designed exclusively for Property & Casualty Agents. Base coverage for Personal Lines P&C, through admitted carriers. Optional expanded coverage for commercial products including both admitted and non-admitted carriers.
  • IMPORTANT: This coverage is designed for a sole licensed producer. If coverage is required to include additional employees, agents, or producers please select the "Property & Casualty Agencies" program option.
  • Important State Amendatory Endorsements
  • If you are applying as a sole producer but need to add your agency name to the certificate of coverage, please complete this form after you've applied.
  • Not eligible for this program? Search other E&O programs.
Coverage Limits
  • $1 Million per claim / $1 Million annual aggregate
  • $1 Million per claim / $2 Million annual aggregate
Deductibles and Retentions
  • $0 for claims arising from life, health, disability, long-term care products and annuities (other than indexed annuities).
  • $5,000 for claims arising from indexed annuities, variable products, mutual funds or other securities
  • $5,000 for claims involving personal lines property & casualty insurance
  • $10,000 for claims involving commercial lines insurance
  • $25,000 for Flood & Earthquake Insurance: Flood & Earthquake Insurance is subject to a $100,000/$100,000/$1,000,000 sublimit
  • $25,000 for Expanded Property and Casualty Commercial Lines Coverage Endorsement, subject to a $100,000/$100,000/$1,000,000 sublimit
Pay in full or choose monthly payments via credit card or electronic funds transfer (EFT). For those customers that select the monthly payment option, your credit card or EFT will be processed on the first of each month.
  • ADDITIONAL COVERAGE LIMITS & INCOME TIER PRICING ARE AVAILABLE. Pricing shown is for agents earning less than $250,000 in gross annual commissions & fees and is based on a coverage limit of $1,000,000 per claim / $1,000,000 annual aggregate.
  • Pricing includes $60.00 NAPA membership dues and a $90.00 administration fee. Down payment includes one month's premium, NAPA dues and administrative fees, and a $5.00 monthly processing fee.
  • Down payments will be processed immediately; monthly deductions as shown above will begin the first of the month after enrollment effective date.
  • At the time of enrollment, each agent will be required to make a non-refundable payment in the amount of the first month’s premium (minimum earned premium). Administrative fees, NAPA dues, and minimum earned premium are non-refundable.

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.

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). Prior acts are covered back to the first day of continuous E&O coverage. Please refer to the policy form for claim reporting provisions and definition of a claim, prior acts definition, and ERP details.

  • Painless automatic renewal
  • Only pay for the coverage you need! Multiple coverage options for Personal and Commercial Lines Insurance.
  • Annual renewable claims-made and reported policy
  • A policy aggregate of $10,000,000*

    *Policy aggregate limit of liability is not applicable to those agents and registered representatives who are residents of or practice in New York State.

  • Add one of these options and satisfy all of your coverage needs in one place
    • Option A: Life, Accident, Health, Disability, LTC, including Medicare Advantage & Medicare Supplement Plans
    • Option B: All of Option A products PLUS Fixed Annuities (including indexed annuities)
    • Option C: All of Option B products PLUS Variable Products & Mutual Funds

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.

Please remember 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" (Excellent) XV rated carrier.

  • This errors and omissions coverage is placed with an admitted carrier. Please reference the A.M. Best rating and disclosures link below for an explanation of admitted and non-admitted carriers.

All policy documents are delivered in electronic format by default.

You can manage your renewal notice delivery options by visiting "My Account" menu option at the top of the page. Refer to the policy form by clicking on the Policy button at the top of the page for more details on covered professional services and exclusions. A.M. Best rating and other 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.
  • All policy related documents and communications are delivered in electronic format where allowable by law.
  • 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.

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.

E&O Insurance for Final Expense Agent Mentor LLC property & casualty agencies

Apply Now
  • About This Coverage
  • Pricing Information
  • Program Features
  • Underwriter
  • Disclosures
  • Program Administrator
  • This Errors and Omissions insurance program is designed exclusively for Property & Casualty Agencies with at least 50% of revenues derived from sale & servicing of P&C products. Coverage for Personal Lines Only from admitted carriers. Optional expanded coverage for commercial products including both admitted and non admitted carriers. Optional Life & Health coverage.
  • Additional limits of $1M/$3M now available!
  • Not sure if an Individual Agent or an Agency policy is right for you? Learn more.
Coverage Limits
  • $1 Million per claim / $1 Million annual aggregate
  • $1 Million per claim / $2 Million annual aggregate
  • $1 Million per claim / $3 Million annual aggregate
Deductibles and Retentions
  • $0 for claims arising from life, health, disability, long-term care products and annuities (other than indexed annuities).
  • $5,000 for claims arising from indexed annuities, variable products, mutual funds or other securities
  • $5,000 for claims involving personal lines property & casualty insurance
  • $10,000 for claims involving commercial lines insurance
  • $25,000 for Flood & Earthquake Insurance: Flood & Earthquake Insurance is subject to a $100,000/$100,000/$1,000,000 sublimit
  • $25,000 for Expanded Property and Casualty Commercial Lines Coverage Endorsement, subject to a $100,000/$100,000/$1,000,000 sublimit
Pay in full or choose monthly payments via credit card or electronic funds transfer (EFT). For those customers that select the monthly payment option, your credit card or EFT will be processed on the first of each month.
  • ADDITIONAL COVERAGE LIMITS & INCOME TIER PRICING ARE AVAILABLE. Pricing shown is for agencies earning less than $250,000 in gross annual commissions & fees and is based on a coverage limit of $1,000,000 per claim / $1,000,000 annual aggregate.
  • Pricing includes $60.00 NAPA membership dues and a $115.00 administration fee. Down payment includes one month's premium, NAPA dues and administrative fees, and a $15.00 monthly processing fee.
  • Down payments will be processed immediately; monthly deductions as shown above will begin the first of the month after enrollment effective date.
  • At the time of enrollment, each agent will be required to make a non-refundable payment in the amount of the first month’s premium (minimum earned premium). Administrative fees, NAPA dues, and minimum earned premium are non-refundable.

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.

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). Prior acts are covered back to the first day of continuous E&O coverage. Please refer to the policy form for claim reporting provisions and definition of a claim, prior acts definition, and ERP details.

  • Painless automatic renewal
  • Only pay for the coverage you need! Multiple coverage options for Personal and Commercial Lines Insurance.
  • Annual renewable claims-made and reported policy
  • Policy is designed to afford coverage for property and casualty insurance agencies and their owner(s), employees, and independent contracted agents while acting on behalf of the agency only
  • A policy aggregate of $10,000,000*

    *Policy aggregate limit of liability is not applicable to those agents and registered representatives who are residents of or practice in New York State.

  • Add one of these options and satisfy all of your coverage needs in one place
    • Option A: Life, Accident, Health, Disability, LTC, including Medicare Advantage & Medicare Supplement Plans
    • Option B: All of Option A products PLUS Fixed Annuities (including indexed annuities)
    • Option C: All of Option B products PLUS Variable Products & Mutual Funds

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.

Please remember 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" (Excellent) XV rated carrier.

  • This errors and omissions coverage is placed with an admitted carrier. Please reference the A.M. Best rating and disclosures link below for an explanation of admitted and non-admitted carriers.

All policy documents are delivered in electronic format by default.

You can manage your renewal notice delivery options by visiting "My Account" menu option at the top of the page. Refer to the policy form by clicking on the Policy button at the top of the page for more details on covered professional services and exclusions. A.M. Best rating and other 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.
  • All policy related documents and communications are delivered in electronic format where allowable by law.
  • 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.

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.

E&O Insurance for Final Expense Agent Mentor LLC Life & health agencies

Apply Now
  • About This Coverage
  • Pricing Information
  • Program Features
  • Underwriter
  • Disclosures
  • Program Administrator
Coverage Limits
  • $1 Million per claim / $1 Million annual aggregate
  • $1 Million per claim / $2 Million annual aggregate
  • $1 Million per claim / $3 Million annual aggregate
Deductibles and Retentions
  • $0 for claims arising from life, health, disability, long-term care products and annuities (other than indexed annuities).
  • $5,000 for claims arising from indexed annuities, variable products, mutual funds or other securities
  • $5,000 for claims involving personal lines property & casualty insurance
  • $10,000 for claims involving commercial lines insurance
  • $25,000 for Flood & Earthquake Insurance: Flood & Earthquake Insurance is subject to a $100,000/$100,000/$1,000,000 sublimit
  • $25,000 for Expanded Property and Casualty Commercial Lines Coverage Endorsement, subject to a $100,000/$100,000/$1,000,000 sublimit
Pay in full or choose monthly payments via credit card or electronic funds transfer (EFT). For those customers that select the monthly payment option, your credit card or EFT will be processed on the first of each month.
  • ADDITIONAL COVERAGE LIMITS & INCOME TIER PRICING ARE AVAILABLE. Pricing shown is for agencies earning less than $250,000 in gross annual commissions & fees and is based on a coverage limit of $1,000,000 per claim / $1,000,000 annual aggregate.
  • Pricing includes $60.00 NAPA membership dues and a $115.00 administration fee. Down payment includes one month's premium, NAPA dues and administrative fees, and a $15.00 monthly processing fee.
  • Down payments will be processed immediately; monthly deductions as shown above will begin the first of the month after enrollment effective date.
  • At the time of enrollment, each agent will be required to make a non-refundable payment in the amount of the first month’s premium (minimum earned premium). Administrative fees, NAPA dues, and minimum earned premium are non-refundable.

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.

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). Prior acts are covered back to the first day of continuous E&O coverage. Please refer to the policy form for claim reporting provisions and definition of a claim, prior acts definition, and ERP details.

  • Painless automatic renewal
  • Insolvency claims are excluded except for carriers with an B+ rating or better at time of sale
  • A policy aggregate of $10,000,000*

    *Policy aggregate limit of liability is not applicable to those agents and registered representatives who are residents of or practice in New York State.

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.

Please remember 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" (Excellent) XV rated carrier.

  • This errors and omissions coverage is placed with an admitted carrier. Please reference the A.M. Best rating and disclosures link below for an explanation of admitted and non-admitted carriers.

All policy documents are delivered in electronic format by default.

You can manage your renewal notice delivery options by visiting "My Account" menu option at the top of the page. Refer to the policy form by clicking on the Policy button at the top of the page for more details on covered professional services and exclusions. A.M. Best rating and other 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.
  • All policy related documents and communications are delivered in electronic format where allowable by law.
  • 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.

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.

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Frequently Asked Questions