Trusted American Insurance Agency Errors & Omissions Insurance Program

Coverage Limits

Deductibles and Retentions

Pricing Information

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.

  Use our Rate Calculator to see additional coverage and pricing options

Program Features

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.

Underwriter

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.

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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.

Disclosures

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.
• For complete details on covered professional services and exclusions, please refer to the policy form.

Program Administrator

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.

Coverage Limits

• $1 Million per claim / $1 Million annual aggregate
• $1 Million per claim / $2 Million annual aggregate

Deductibles and Retentions

Pricing Information

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.

  Use our Rate Calculator to see additional coverage and pricing options

Program Features

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.

Underwriter

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.

Disclosures

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.
• For complete details on covered professional services and exclusions, please refer to the policy form.

Program Administrator

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.

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

Pricing Information

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.

  Use our Rate Calculator to see additional coverage and pricing options

Program Features

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.

Underwriter

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.

Disclosures

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.
• For complete details on covered professional services and exclusions, please refer to the policy form.

Program Administrator

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.

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

Pricing Information

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.

  Use our Rate Calculator to see additional coverage and pricing options

Program Features

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.

• 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.

Underwriter

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.

Disclosures

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.
• For complete details on covered professional services and exclusions, please refer to the policy form.

Program Administrator

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.

• This Errors and Omissions Insurance Plan is designed exclusively for agents of Trusted American Insurance Agency and helps to protect against claims arising from the sale and servicing of insurance products.
• Important State Amendatory Endorsements
• Not eligible for this program? Search other E&O programs.

Program Eligibility

• You must have an active life and/or health insurance license to be eligible for coverage.

Coverage Limits

• $1 Million per claim / $3 Million annual aggregate

Deductibles and Retentions

• $500 retention for life, accident, health, LTC, Medicare Advantage and Medicare Supplement
• $2,500 retention for disability insurance and indexed & fixed annuities
• $5,000 retention for all other claims (e.g. variable annuities and mutual funds)

Pricing Information

Pricing shown above is for a newly licensed life and/or health agent that has received their state license within one year of enrollment. ($1M/$3M limit option only). Please use the rate calculator to view more pricing 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 of each month.

• Prices include E&O premium, $36.00 NAPA dues, applicable taxes and marketing fees. Down payments will be processed immediately; monthly deductions as shown above will begin the first of the month after enrollment effective date. Monthly payment option includes a $5.00 monthly collection fee.
• 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

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 of each month.

Underwriter

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.

Disclosures

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.
• For complete details on covered professional services and exclusions, please refer to the policy form.

Program Administrator

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.

• This Errors and Omissions Insurance Plan is designed exclusively for agents of Trusted American Insurance Agency and helps to protect against claims arising from the sale and servicing of insurance products.
• Important State Amendatory Endorsements
• Not eligible for this program? Search other E&O programs.

Program Eligibility

• You must have an active life and/or health insurance license to be eligible for coverage.

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

• $500 retention for life, accident, health, LTC, Medicare Advantage and Medicare Supplement
• $2,500 retention for disability insurance and indexed & fixed annuities
• $5,000 retention for all other claims (e.g. variable annuities and mutual funds)

Pricing Information

Prices include E&O premium, $36.00 NAPA dues, applicable taxes and marketing fees. Down payments will be processed immediately; monthly deductions as shown above will begin the first of the month after enrollment effective date. Monthly payment option includes a $5.00 monthly collection fee.

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.

• 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

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 of each month.

Underwriter

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.

Disclosures

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.
• For complete details on covered professional services and exclusions, please refer to the policy form.

Program Administrator

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.

• This Errors and Omissions Insurance Plan is designed exclusively for hired per diem or commission-based enrollers only.

Program Eligibility

• You must have an active life and/or health insurance license to be eligible for coverage.

Coverage Limits

• $1 Million per claim / $1 Million annual aggregate
• $500,000 per claim / $500,000 annual aggregate

Deductibles and Retentions

• $250 deductible for claims arising from the enrollment of group benefits and/or life & health products and services in the worksite marketing environment.

Pricing Information

Prices include E&O premium, $36.00 NAPA dues, applicable taxes and marketing fees. Down payments will be processed immediately; monthly deductions as shown above will begin the first of the month after enrollment effective date. Monthly payment option includes a $5.00 monthly collection fee.

• 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

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 of each month.

Underwriter

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.

Disclosures

All policy documents are delivered in electronic format by default.

• All policy related documents and communications are delivered in electronic format where allowable by law.
• For complete details on covered professional services and exclusions, please refer to the policy form.

Program Administrator

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.