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Investment Advisor
E&O Insurance

Affordable Errors and Omissions Insurance Options for
Registered Investment Advisors (RIA), Investment Advisor
Representatives (IAR) and Financial Planners

  •   Apply Online In Minutes
  •   Instant Proof Of E&O Insurance
  •   Starts At Just $72.08/month
  •   "A+" Rated, Admitted Carrier

RIA PLUS

Individual
RIAs & Advisors E&O

  • Errors And Omissions Insurance for Financial Planners, Individual RIAs and IARs.

    Includes coverage for mutual funds, publicly traded stocks, publicly traded bonds and publicly traded REITS; covered calls, protective puts and regular ETFs and ETNs.

RIA PLUS

LLCs, Corporations &
RIA Firms E&O

  • Errors And Omissions Insurance for RIA Firms with multiple advisors.

    Includes coverage for mutual funds, publicly traded stocks, publicly traded bonds and publicly traded REITS; covered calls, protective puts and regular ETFs and ETNs.

DIAMOND

Series 7 Only
Registered Rep E&O

  • E&O Insurance for Series 7 Registered Representatives.

    Includes coverage for publicly traded stocks, publicly traded REITS, bonds, "covered calls," protective puts and regular ETFs & ETNs.

PLATINUM

Life & Health
Agent + Series 7 E&O

  • E&O Insurance for Life & Health Agents with coverage for acts as a Series 7 "registered representative" (≤ 25% of commission revenue).
    Includes coverage for publicly traded stocks, publicly traded REITS, bonds, "covered calls," protective puts and regular ETFs & ETNs.

What NAPA Members Are Saying

Group Preferred Rate E&O Programs

Search Group Sponsored (e.g. Aflac) & Designation (e.g. ChFC) E&O Insurance programs.

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What is RIA E&O Insurance?

Errors and Omissions insurance, also called E&O insurance, is a type of professional liability insurance that safeguards RIAs against financial damages arising from an alleged error or omission the firm makes while rendering professional services defined by the language of the insurance policy. In layman’s terms, it helps protect the RIA, RIA owner(s) and RIA representatives if a claim states you made a mistake or forgot to do something important that causes financial harm to a client.

Why do RIAs need E&O Insurance?

Being in a position of financial advisement can create professional liability when an error or omission occurs. Mistakes happen. A client lawsuit can cost thousands of dollars in defense costs alone. If found liable, a financial representative or RIA can face a judgment that costs even more. Having an E&O insurance policy affords you representation by expert legal counsel to protect your career and future earnings. Your business, reputation, even personal assets can be safeguarded against the high costs associated with client litigation and court settlements.

What does RIA E&O insurance cover?

Not all E&O insurance policies are the same. It’s important to understand your policy’s coverages, exclusions, limits, deductibles and other key policy provisions. NAPA Premier E&O insurance policies are specifically designed to protect RIAs, IARs and financial advisors. Coverage extends to certain fiduciary work and those who hold Life & Health insurance licenses. If you have specific questions regarding the policy, please view the NAPA Premier E&O policy details or schedule a complimentary consultation with one of our RIA E&O experts.

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