NAPA Agent and Agency Errors & Omissions Insurance

About This Coverage

• This Errors and Omissions insurance program is designed exclusively for licensed Life & Health Agents and is underwritten by an admitted A.M. Best "A" rated for financial strength carrier. This program now has Industry leading base limits of $1M/$3M!
• Not sure if an Individual Agent or an Agency policy is right for you? Learn more.
• Important State Amendatory Endorsements
• Not eligible for this program? Search other E&O programs.

Option	Provides Coverage for the Sale & Servicing of:	Installments	In Full
A	Life, accident, health, LTC, disability, including Medicare Advantage & Medicare Supplements, employee benefit administration	$34.50/month with $139.50 down	$459
B	Life, accident, health, LTC, disability, including Medicare Advantage and Medicare Supplements, employee benefit administration PLUS Fixed & Indexed Annuities	$41.75/month with $146.75 down	$546
C	Life, accident, health, LTC, disability, including Medicare Advantage and Medicare Supplements, employee benefit administration PLUS Fixed & Indexed Annuities, Mutual Funds & Variable Products	$53.92/month with $158.92 down	$692

Use the Rate Calculator to see additional coverage and pricing options.

Pricing Information

• Pricing shown is for agents earning less than $250,000 in gross 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.

Program Features

• Coverage for E&O claims involving the DOL Fiduciary Rule
• Includes coverage for ACA compliant health insurance products sold through the Health Insurance Marketplace
• This policy 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. Multiple employer trust or welfare arrangement are not covered and insolvency claims are excluded except for admitted carriers with an A- rating at time of sale.
• Policy includes $25,000 for Privacy Claims subject to a $250,000 policy aggregate. See policy for details.
• Monthly payment options
• A master policy annual aggregate of $50,000,000*
• $1M/$3M coverage for the price of $1M/$1M
  • NAPA has secured a higher aggregate limit of liability for our preferred certificate holders which will meet the recent increased aggregate limit requirements for many insurance companies. This savings is being offered to you, as a preferred certificate holder of NAPA as our way of thanking you for your support. Please note this excludes product options that include P&C Coverage.
• Painless automatic renewal
  • As a busy insurance agent, you have a lot on your plate. With NAPA’s new auto renew feature, there's no need to complete an application every year. We’ll send you a renewal notice and if you still meet the eligibility requirements, you don’t have to do anything. We’ll automatically renew your policy using the payment information we have on file. It’s that easy!
• Available in all 50 states and U.S. territories
• Underwritten by an admitted A.M. Best "A" rated for financial strength carrier
• Insolvency coverage on products sold from A.M. Best rated "A-" or better admitted carriers at time of sale
• $0 Deductible/Retention
• Peace of mind knowing you've got NAPA's more than 25 years of E&O expertise on your side
• Coverage for:^**
  • Regulatory Defense
  • Social Media
  • Network Risk & Privacy Claim
  • Military Activation Coverage
  
  *Policy aggregate limit of liability is not applicable to those agents and registered representatives who are residents of or practice in New York State.
  **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.
• Provides coverage for your administrative, clerical and support personnel while they are acting on your behalf.
• Provides coverage for any affiliated corporation, partnership or agency for their liability arising out of the individual insured's professional services
• Extended Reporting Period Available - see policy for details
• Important: This is a claims made and reported policy. Claims must be submitted immediately 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 Limits

• $1 Million per claim / $3 Million annual aggregate – Great news! $1M/$1M limits have been increased to $1M/$3M for the same low price.
• $2 Million per claim / $2 Million annual aggregate

Deductibles and Retentions

• $0 for claims arising from life, health, accident, disability insurance, and fixed and indexed annuities
• $5,000 for all other covered claims (e.g. variable products and mutual funds)

Payment Options

• 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 business day of each month.

Underwriter

• This errors and omissions coverage is placed with an admitted carrier. Please reference the A.M. Best rating chart and disclosures link below for an explanation of admitted and non-admitted carriers.
• 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 © 2018 CNA. All rights reserved.
  www.cna.com
  CNA is an A.M. Best A (Excellent) XV rated carrier.

Disclosures

• A.M. Best rating chart and other disclosures.
• Refer to the policy form for more details on covered professional services and exclusions.

Program Administrator

• Gallagher Affinity
• 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 more information.

About This Coverage

• NEW! This Errors and Omissions insurance program is designed exclusively for licensed Life & Health Agents selling Medicare Products Only.
• 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.

Pricing Information

$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.
Effective Date	Pay In Full	or Down Payment	w/ Monthly Payment
10/01/18	Apply today for $374.00	$132.42	$27.42

   View more limit, coverage and pricing options

• 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.

Program Features

• Coverage for E&O claims involving the DOL Fiduciary Rule
• Medicare Only Option: Includes coverage for Medicare Advantage, Medicare Supplemental and Medicare Part D 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 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.

• Includes coverage for ACA compliant health insurance products sold through the Health Insurance Marketplace
• Painless automatic renewal
  • As a busy insurance agent, you have a lot on your plate. With NAPA’s new auto renew feature, there's no need to complete an application every year. We’ll send you a renewal notice and if you still meet the eligibility requirements, you don’t have to do anything. We’ll automatically renew your policy using the payment information we have on file. It’s that easy!
• Available in all 50 states and U.S. territories
• Underwritten by an admitted A.M. Best "A" rated for financial strength carrier
• Insolvency coverage on products sold from A.M. Best rated "A-" or better admitted carriers at time of sale
• $0 Deductible/Retention
• Peace of mind knowing you've got NAPA's more than 25 years of E&O expertise on your side
• Provides coverage for your administrative, clerical and support personnel while they are acting on your behalf.
• Provides coverage for any affiliated corporation, partnership or agency for their liability arising out of the individual insured's professional services
• Extended Reporting Period Available - see policy for details
• Important: This is a claims made and reported policy. Claims must be submitted immediately 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 Limits

• $1 Million per claim / $1 Million annual aggregate

Payment Options

• 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 business day of each month.

Underwriter

• This errors and omissions coverage is placed with an admitted carrier. Please reference the A.M. Best rating chart and disclosures link below for an explanation of admitted and non-admitted carriers.
• 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 © 2018 CNA. All rights reserved.
  www.cna.com
  CNA is an A.M. Best A (Excellent) XV rated carrier.

Disclosures

• A.M. Best rating chart and other disclosures.
• Refer to the policy form for more details on covered professional services and exclusions.

Program Administrator

• Gallagher Affinity
• 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 more information.

About This Coverage

• 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 for agents and agencies licensed in Texas is provided by a non admitted (surplus lines) insurer; as such, a stamping fee and surplus lines tax are included in the pricing. The total price for coverage does not change based on location; however, agents and agencies in Texas who pay monthly will have a higher down payment and a lower monthly payment.
• Not eligible for this program? Search other E&O programs.

Option	Provides Coverage for the Sale & Servicing of:	Installments	In Full
A	Life, accident, health, LTC, disability, including Medicare Advantage & Medicare Supplements PLUS incidental personal lines P&C (<25% of total revenues)	$50.00/month with $180.00 down	$670
B	Option A PLUS Fixed & Indexed Annuities	$56.67/month with $186.67 down	$750
C	Option A & B PLUS Fixed & Indexed Annuities, Mutual Funds & Variable Products	$69.58/month with $199.62 down	$905

Use the Rate Calculator to see additional coverage and pricing options.

Pricing Information

• 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 business day of the month after enrollment effective date.
• For Agents and Agencies Licensed in Texas: Pricing includes a 5% surplus lines tax and stamping fee.
• Down payments will be processed immediately; monthly deductions as shown above will begin the first business day 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.

Program Features

• Coverage for E&O claims involving the DOL Fiduciary Rule
• 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.

• Provides coverage for your administrative, clerical and support personnel while they are acting on your behalf.
• Provides coverage for any affiliated corporation, partnership or agency for their liability arising out of the individual insured's professional services
• Extended Reporting Period Available - see policy for details
• Important: This is a claims made and reported policy. Claims must be submitted immediately 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 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

Payment Options

• 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 business day of each month.

Underwriter

• Your coverage is secured by National Casualty Company, an admitted carrier rated A+ XV by A.M. Best. National Casualty Company is part of the Scottsdale Group, a subsidiary of the Nationwide Mutual Insurance Company.
• For Agents and Agencies Licensed in Texas: Your coverage is secured by Scottsdale Insurance Company, a non-admitted carrier rated A+ XV by A.M. Best.
• Please reference the A.M. Best rating chart and disclosures link below for an explanation of admitted and non-admitted carriers.

Disclosures

• A.M. Best rating chart and other disclosures.
• By enrolling in this insurance policy, the applicant agrees to become a non-voting member of Financial Services Professional Liability Risk Purchasing Group, Inc. ("FSPLRPG"). FSPLRPG is a Texas 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 FSPLRPG is covered for separate limits of liability and is required to pay all premiums when due.
• Refer to the policy form for more details on covered professional services and exclusions.

Program Administrator

• Gallagher Affinity
• 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 more information.

About This Coverage

• This Errors and Omissions insurance program is designed exclusively for licensed Life & Health Agents that also sell Property & Casualty products. Agents must generate at least 51% of revenues from the sale & service of Life & Health products.
• Not sure if an Individual Agent or an Agency policy is right for you? Learn more.
• Coverage for agents and agencies licensed in Texas is provided by a non admitted (surplus lines) insurer; as such, a stamping fee and surplus lines tax are included in the pricing. The total price for coverage does not change based on location; however, agents and agencies in Texas who pay monthly will have a higher down payment and a lower monthly payment.
• Not eligible for this program? Search other E&O programs.

Option	Provides Coverage for the Sale & Servicing of:	Monthly	In Full
A	Life, accident, health, LTC, disability, including Medicare Advantage & Medicare Supplements PLUS incidental personal lines P&C (<25% of total revenues)	$57.50/month with $192.50 down	$765
B	Option A PLUS Fixed & Indexed Annuities	$64.17/month with $199.17 down	$845
C	Option A & B PLUS Fixed & Indexed Annuities, Mutual Funds & Variable Products	$74.58/month with $209.62 down	$970

Use the Rate Calculator to see additional coverage and pricing options.

Pricing Information

• 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. For Agents licensed in Texas your down payment and monthly payment may differ than pricing chart above due to surplus lines taxes.
• 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 business day of the month after enrollment effective date.
• For Agents and Agencies Licensed in Texas: Pricing includes a 5% surplus lines tax and stamping fee.
• Down payments will be processed immediately; monthly deductions as shown above will begin the first business day 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.

Program Features

• Coverage for E&O claims involving the DOL Fiduciary Rule
• 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.

• Provides coverage for your administrative, clerical and support personnel while they are acting on your behalf.
• Provides coverage for any affiliated corporation, partnership or agency for their liability arising out of the individual insured's professional services
• Extended Reporting Period Available - see policy for details
• Important: This is a claims made and reported policy. Claims must be submitted immediately 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 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

Payment Options

• 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 business day of each month.

Underwriter

• Your coverage is secured by National Casualty Company, an admitted carrier rated A+ XV by A.M. Best. National Casualty Company is part of the Scottsdale Group, a subsidiary of the Nationwide Mutual Insurance Company.
• For Agents and Agencies Licensed in Texas: Your coverage is secured by Scottsdale Insurance Company, a non-admitted carrier rated A+ XV by A.M. Best.
• Please reference the A.M. Best rating chart and disclosures link below for an explanation of admitted and non-admitted carriers.

Disclosures

• A.M. Best rating chart and other disclosures.
• By enrolling in this insurance policy, the applicant agrees to become a non-voting member of Financial Services Professional Liability Risk Purchasing Group, Inc. ("FSPLRPG"). FSPLRPG is a Texas 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 FSPLRPG is covered for separate limits of liability and is required to pay all premiums when due.
• Refer to the policy form for more details on covered professional services and exclusions.

Program Administrator

• Gallagher Affinity
• 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 more information.

About This Coverage

• 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" Tab at the left.
• 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.
• Coverage for agents and agencies licensed in Texas is provided by a non admitted (surplus lines) insurer; as such, a stamping fee and surplus lines tax are included in the pricing. The total price for coverage does not change based on location; however, agents and agencies in Texas who pay monthly will have a higher down payment and a lower monthly payment.
• Not eligible for this program? Search other E&O programs.

Option	Provides Coverage for the Sale & Servicing of:	Installments	In Full
Level 1	Personal Lines Only: Includes coverage for auto, recreational vehicles, watercraft, motorcycle, homeowners, renters, personal umbrellas, pet insurance and flood. Other commercial and personal lines are excluded. Coverage is limited to admitted carriers only.	$49.17/month with $199.17 down	$680
Level 2	Personal and Commercial Lines P&C: Includes Level 1 coverage PLUS Commercial Lines P&C coverage for workers compensation and employers liability, general and product liability, business owners and commercial multi-peril, auto (other than long haul trucking), property, and flood. Other commercial and personal lines are excluded. Coverage is limited to admitted carriers only.	$61.67/month with $211.67 down	$830
Level 3	Personal and Commercial Lines P&C with Expanded Commercial: Includes Level 2 coverage PLUS Expanded Commercial Lines coverage for inland marine, medical malpractice and professional liability, directors & officers liability, employment practice liability, fidelity, surety, crop, hail, wind, & earthquake. Sublimits & exclusions apply. See policy for full details.	$86.67/month with $236.67 down	$1,130

Use the Rate Calculator to see additional coverage and pricing options.

Pricing Information

• 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. For Agents licensed in Texas your down payment and monthly payment may differ than pricing chart above due to surplus lines taxes.
• 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.
• For Agents and Agencies Licensed in Texas: Pricing includes a 5% surplus lines tax and stamping fee.
• Down payments will be processed immediately; monthly deductions as shown above will begin the first business day 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.

Program Features

• Coverage for E&O claims involving the DOL Fiduciary Rule
• Only pay for the coverage you need! Multiple coverage options for Personal and Commercial Lines Insurance.
• Annual renewable claims-made 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.

• Provides coverage for your administrative, clerical and support personnel while they are acting on your behalf.
• Provides coverage for any affiliated corporation, partnership or agency for their liability arising out of the individual insured's professional services
• Extended Reporting Period Available - see policy for details
• 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
• Important: This is a claims made and reported policy. Claims must be submitted immediately 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 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

Payment Options

• 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 business day of each month.

Underwriter

• Your coverage is secured by National Casualty Company, an admitted carrier rated A+ XV by A.M. Best. National Casualty Company is part of the Scottsdale Group, a subsidiary of the Nationwide Mutual Insurance Company.
• For Agents and Agencies Licensed in Texas: Your coverage is secured by Scottsdale Insurance Company, a non-admitted carrier rated A+ XV by A.M. Best.
• Please reference the A.M. Best rating chart and disclosures link below for an explanation of admitted and non-admitted carriers.

Disclosures

• A.M. Best rating chart and other disclosures.
• By enrolling in this insurance policy, the applicant agrees to become a non-voting member of Financial Services Professional Liability Risk Purchasing Group, Inc. ("FSPLRPG"). FSPLRPG is a Texas 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 FSPLRPG is covered for separate limits of liability and is required to pay all premiums when due.
• 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.
• Refer to the policy form for more details on covered professional services and exclusions.

Program Administrator

• Gallagher Affinity
• 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 more information.

About This Coverage

• 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 for agents and agencies licensed in Texas is provided by a non admitted (surplus lines) insurer; as such, a stamping fee and surplus lines tax are included in the pricing. The total price for coverage does not change based on location; however, agents and agencies in Texas who pay monthly will have a higher down payment and a lower monthly payment.
• Not eligible for this program? Search other E&O programs.

Option	Provides Coverage for the Sale & Servicing of:	Installments	In Full
Level 1	Personal Lines Only: Includes coverage for auto, recreational vehicles, watercraft, motorcycle, homeowners, renters, personal umbrellas, pet insurance and flood. Other commercial and personal lines are excluded. Coverage is limited to admitted carriers only.	$82.08/month with $257.12 down	$980
Level 2	Personal and Commercial Lines P&C: Includes Level 1 coverage PLUS Commercial Lines P&C coverage for workers compensation and employers liability, general and product liability, business owners and commercial multi-peril, auto (other than long haul trucking), property, and flood. Other commercial and personal lines are excluded. Coverage is limited to admitted carriers only.	$100.83/month with $275.87 down	$1,205
Level 3	Personal and Commercial Lines P&C with Expanded Commercial: Includes Level 2 coverage PLUS Expanded Commercial Lines coverage for inland marine, medical malpractice and professional liability, directors & officers liability, employment practice liability, fidelity, surety, crop, hail, wind, & earthquake. Sublimits & exclusions apply. See policy for full details.	$142.50/month with $317.50 down	$1,705

Use the Rate Calculator to see additional coverage and pricing options.

Pricing Information

• 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. For Agencies licensed in Texas your down payment and monthly payment may differ than pricing chart above due to surplus lines taxes.
• 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.
• For Agents and Agencies Licensed in Texas: Pricing includes a 5% surplus lines tax and stamping fee.
• Down payments will be processed immediately; monthly deductions as shown above will begin the first business day 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.

Program Features

• Coverage for E&O claims involving the DOL Fiduciary Rule
• Only pay for the coverage you need! Multiple coverage options for Personal and Commercial Lines Insurance.
• Annual renewable claims-made 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.

• Provides coverage for your administrative, clerical and support personnel while they are acting on your behalf.
• Extended Reporting Period Available - see policy for details
• 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
• Important: This is a claims made and reported policy. Claims must be submitted immediately 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 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

Payment Options

• 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 business day of each month.

Underwriter

• Your coverage is secured by National Casualty Company, an admitted carrier rated A+ XV by A.M. Best. National Casualty Company is part of the Scottsdale Group, a subsidiary of the Nationwide Mutual Insurance Company.
• For Agents and Agencies Licensed in Texas: Your coverage is secured by Scottsdale Insurance Company, a non-admitted carrier rated A+ XV by A.M. Best.
• Please reference the A.M. Best rating chart and disclosures link below for an explanation of admitted and non-admitted carriers.

Disclosures

• A.M. Best rating chart and other disclosures.
• By enrolling in this insurance policy, the applicant agrees to become a non-voting member of Financial Services Professional Liability Risk Purchasing Group, Inc. ("FSPLRPG"). FSPLRPG is a Texas 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 FSPLRPG is covered for separate limits of liability and is required to pay all premiums when due.
• 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.
• Refer to the policy form for more details on covered professional services and exclusions.

Program Administrator

• Gallagher Affinity
• 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 more information.

About This Coverage

• This Errors and Omissions insurance program is designed exclusively for Life & Health Agencies with at least 51% of revenues derived from the sale and servicing of Life & Health products.
• Additional limits of $1M/$3M now available!
• Not sure if an Individual Agent or an Agency policy is right for you? Learn more.
• Coverage for agents and agencies licensed in Texas is provided by a non admitted (surplus lines) insurer; as such, a stamping fee and surplus lines tax are included in the pricing. The total price for coverage does not change based on location; however, agents and agencies in Texas who pay monthly will have a higher down payment and a lower monthly payment.
• Not eligible for this program? Search other E&O programs.

Option	Provides Coverage for the Sale & Servicing of:	Installments	In Full
Level 1	Life, Accident, Health, Disability, LTC, including Medicare Advantage & Medicare Supplement Plans, Indexed Life and Fixed & Indexed Annuities and Variable Products & Mutual Funds, Also covers Personal Lines P&C products including auto, recreational vehicles, watercraft, motorcycle, homeowners, renters, personal umbrellas, pet insurance and flood. Other commercial and personal lines are excluded. Coverage is limited to admitted carriers only.	$127.92/month with $302.92 down	$1,530
Level 2	Level 1 coverage PLUS Commercial Lines P&C coverage for workers compensation and employers liability, general and product liability, business owners and commercial multi-peril, auto (other than long haul trucking), property, and flood. Other commercial and personal lines are excluded. Coverage is limited to admitted carriers only.	$152.92/month with $327.92 down	$1,830
Level 3	Level 2 coverage PLUS Expanded Commercial Lines coverage for inland marine, medical malpractice and professional liability, directors & officers liability, employment practice liability, fidelity, surety, crop, hail, wind, & earthquake. Coverage is for both admitted and non-admitted carriers.*	$194.58/month with $369.62 down	$2,330

Use the Rate Calculator to see additional coverage and pricing options.

Pricing Information

• 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. For Agencies licensed in Texas your down payment and monthly payment may differ than pricing chart above due to surplus lines taxes.
• 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.
• For Agents and Agencies Licensed in Texas: Pricing includes a 5% surplus lines tax and stamping fee.
• Down payments will be processed immediately; monthly deductions as shown above will begin the first business day 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.

Program Features

• Coverage for E&O claims involving the DOL Fiduciary Rule
• Insolvency claims are excluded except for carriers with an A- 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.

• Provides coverage for your administrative, clerical and support personnel while they are acting on your behalf.
• Extended Reporting Period Available - see policy for details
• Important: This is a claims made and reported policy. Claims must be submitted immediately 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 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

Payment Options

• 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 business day of each month.

Underwriter

• Your coverage is secured by National Casualty Company, an admitted carrier rated A+ XV by A.M. Best. National Casualty Company is part of the Scottsdale Group, a subsidiary of the Nationwide Mutual Insurance Company.
• For Agents and Agencies Licensed in Texas: Your coverage is secured by Scottsdale Insurance Company, a non-admitted carrier rated A+ XV by A.M. Best.
• Please reference the A.M. Best rating chart and disclosures link below for an explanation of admitted and non-admitted carriers.

Disclosures

• A.M. Best rating chart and other disclosures.
• By enrolling in this insurance policy, the applicant agrees to become a non-voting member of Financial Services Professional Liability Risk Purchasing Group, Inc. ("FSPLRPG"). FSPLRPG is a Texas 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 FSPLRPG is covered for separate limits of liability and is required to pay all premiums when due.
• 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.
• Refer to the policy form for more details on covered professional services and exclusions.

Program Administrator

• Gallagher Affinity
• 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 more information.