ManhattanLife Group Errors & Omissions Insurance Program

E&O Insurance for ManhattanLife Group 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.
  • 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.

NAPA Member Login

Forgot username or password?

Become A NAPA Member Today!

Get access to exclusive benefits, including a FREE CE voucher and magazine subscription.
Buy NAPA E&O insurance starting at just $26.25/month. Includes NAPA membership.
E&O Insurance
Buy a stand-alone NAPA membership for just $60/year. Does not include E&O insurance.
Membership Only
Frequently Asked Questions
Frequently Asked Questions