U.S. Risk Insurance Group, Inc. offers a comprehensive nationwide Errors & Omissions (E&O) program designed specifically for insurance agents and brokers. Whether you're a personal lines agent, commercial lines expert, or life and health producer, this program helps safeguard your professional services with tailored protection. The program also extends to General Agents, Wholesalers, Surplus Lines Brokers, MGAs, and Program Administrators—making it a versatile solution for diverse agency operations.
Ideal Accounts and Appetite
This E&O program is built for a wide range of professionals in the insurance space, including:
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Property & Casualty (P&C) agents
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Life and Accident & Health (A&H) agents
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Personal and commercial lines agents
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Start-up agencies and smaller firms looking for economical coverage
You might have a client launching a new independent agency or a seasoned wholesaler expanding into new lines—this program can accommodate both with flexible limits and competitive pricing structures.
Coverage Highlights and Advantages
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Prior Acts coverage is available, helping to bridge past service exposures
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Personal injury coverage included when related to professional services
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Claims Made and Reported form available in the Basic Program
Limits and Deductibles
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Limits up to $5 million per claim and in aggregate, with defense outside the limit options
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Deductibles starting as low as $1,000, with aggregate deductible options
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$25,000 sub-limit for employment practices liability claims
Basic Program Option
Designed for newer or smaller operations, including start-ups
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Low minimum premiums with competitive rates
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Eligible classes include P&C Agents, Life/A&H, General Agents, Wholesalers, MGAs, and Program Administrators
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Limits from $250,000 to $1 million per claim/aggregate; claims expenses within the limit
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Deductibles starting at $2,500, applying to both damages and claims expenses
Underwriting Notes and Minimum Premiums
The program is underwritten by U.S. Risk Insurance Group, Inc., a Managing General Underwriter with access to various top-rated carriers. Most markets offered are admitted, providing stability and compliance in regulated jurisdictions. Minimum premiums start at $2,000, making this program accessible for a broad range of agency sizes and risk profiles.
Territories and Availability
This program is available nationwide, including all 50 states and Washington, D.C. Whether your client is in California, Texas, New York, Florida, or any other state, you can offer them tailored E&O protection through this program.
Why Work With U.S. Risk Insurance Group, Inc.
U.S. Risk brings decades of experience in specialty insurance program management. As a Managing General Underwriter, the company offers deep underwriting knowledge, responsive service, and access to multiple carriers. Their focus on the insurance agent and broker sector means you’ll be working with professionals who understand the unique risks and regulatory challenges your clients face.
Frequently Asked Questions
What types of insurance professionals are eligible for this E&O program?
Eligible classes include personal and commercial lines agents, life and health agents, general agents, wholesalers, surplus lines brokers, MGAs, and program administrators.
Is this program suitable for new or small agencies?
Yes, the Basic Program is designed specifically for start-ups and smaller operations, offering low minimum premiums and flexible coverage options.
What are the available coverage limits?
Limits range from $250,000 to $5 million per claim and in aggregate, depending on the program selected. Defense outside the limits is also available in some cases.
Is the program available in all states?
Yes, the program is available nationwide, including all 50 states and Washington, D.C.
Does the coverage include prior acts?
Yes, prior acts coverage is available for qualifying accounts, helping to cover services rendered before the policy inception date.
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