Insurance Agents/Brokers E&O
Do your clients have the right Errors & Omissions (E&O) protection? At
Tennant Risk Services, we provide tailored E&O solutions for insurance agents, brokers, MGAs, consultants, and related operations. As a managing general agency and E&S broker with deep specialty expertise, we give you access to multiple markets and competitive terms—even for harder-to-place accounts.
We know the professional liability exposures insurance professionals face. Whether your client is a startup retail agency, a wholesale broker with a niche book, an MGA running programs, or a consultant handling complex placements, we work to secure broad, flexible E&O coverage with fast turnaround and responsive underwriting.
Ideal Classes
- Property & Casualty agents and brokers
- Retail and wholesale operations
- Underwriting managers / MGAs
- Surplus lines brokers
- Life, health, & disability agents
- Risk management and insurance consultants
- Third-party administrators (TPAs)
- Reinsurance intermediaries
- Premium finance companies
Challenging Risks Welcome
We routinely handle accounts and specialty exposures that other markets decline. Typical appetites include:
- Specialty lines placement experience: aviation, medical malpractice, marine, surety/bonds
- Accounts with prior losses, claims, or non-renewals
- New ventures and start-up agencies
- Newly licensed professionals
- Firms offering multiple insurance services or program administrations
Coverage Highlights
- Minimum premiums starting at $1,250
- Coverage for independent contractors
- Insolvency protection
- Risk management services included
- Flexible limit and deductible options
- Defense outside the limits
- First-dollar defense available
- Optional cyber risk and employment practices liability (EPL) enhancements
Sample Account Scenarios
- Medical-malpractice specialty brokerage that wants risk management services — $1M limit, $10,500 premium (sample placement)
- Retail agency recently non-renewed due to claims — placed for $2M limit, $15,000 premium (sample placement)
- Startup P&C and life/health agency seeking primary protection — $1M limit, $1,700 premium (sample placement)
- Large agency with program division needing higher limits — $2M limit, $48,000 premium (sample placement)
- Wholesale MGA with significant capacity needs — $10M limit, $195,000 premium (sample placement)
Territories & Market Access
Tennant Risk Services places both admitted and non-admitted options depending on the risk profile and jurisdiction. Coverage is available in all 50 states plus DC, including CA, NY, TX, FL, and others. Carrier access and terms vary by account size, class, and territory, allowing flexible placement strategies.
Why Partner with Tennant Risk Services?
We focus on helping retail agents and brokers place professional liability business with speed and technical underwriting. Our team pairs hands-on underwriting with broad market relationships to find solutions for routine and specialty E&O risks. We welcome complex and hard-to-place accounts and provide loss-control resources to help reduce exposure. Email us at
[email protected] to discuss a risk or submit an account.
Put our Insurance Agents/Brokers E&O expertise to work for you today!
Frequently Asked Questions
What types of accounts are a good fit for this E&O program?
This program fits retail and wholesale agencies, MGAs, surplus lines brokers, TPAs, and consultants — including startups, firms with prior claims, and those offering specialty coverages.
Can newly licensed agents or new agencies get coverage?
Yes. Tennant Risk Services offers solutions for newly licensed agents and startup agencies, including those writing both P&C and life/health lines.
Do you place firms with prior E&O claims?
Yes. We have experience placing accounts with adverse loss history or prior non-renewals. Each submission is reviewed individually to identify the best available markets and terms.
Is coverage available nationwide?
Yes. Coverage can be placed in all 50 states and Washington, D.C. Market availability and specific terms may vary by state and risk characteristics.
What is the minimum premium for eligible accounts?
Minimum premiums start at $1,250, subject to class, size, and the specific risk profile.
Need help placing an account? Connect with a market specialist.