Professional Liability Insurance for Insurance Agents
At Ashley General Agency, we understand the insurance industry from the inside out. Our Insurance Agents Professional Liability Insurance program is tailored specifically for retail agents and brokers seeking reliable protection for their own operations or their clients. This offering is designed to help safeguard insurance professionals from claims of negligence, misrepresentation, or failure to deliver services as promised.
Ideal Accounts and Appetite
This program is ideal for independent property & casualty agents, life & health producers, managing general agents (MGAs), and surplus lines brokers. Whether your client is a solo producer or runs a small-to-mid-sized agency, we can help you place accounts that meet our underwriting criteria.
Examples of good-fit submissions include:
- A Texas-based independent insurance agency with a mix of personal and small commercial lines.
- A newly established health insurance broker seeking E&O coverage to meet carrier requirements.
- A specialty lines agent working with complex risks who needs higher-limit protection.
Coverage Highlights and Advantages
Our professional liability program offers robust protection against a range of exposures common in the insurance industry. Available coverages include:
- Errors and Omissions (E&O): Protects against claims arising from mistakes or oversights in the delivery of insurance services.
- Directors and Officers (D&O): Coverage for agency leadership against allegations tied to their managerial roles.
- Employment Practices Liability (EPL): Helps protect against employee-related claims such as wrongful termination, discrimination, or harassment.
We work with various carriers to provide flexible options, with both admitted and non-admitted solutions available in select states.
Underwriting Notes and Minimum Premiums
Our minimum premium starts at just $500, making this program accessible for small and growing agencies. Each submission is underwritten on a case-by-case basis, and we take pride in finding creative solutions for agents with unique business models or niche specialties.
Territories and Availability
This program is currently available in Texas (TX). Please contact us to confirm eligibility and availability in other states, as we may be able to secure options through our broader market access.
Why Work With Ashley General Agency?
As a Managing General Underwriter and Excess & Surplus Lines Broker, Ashley General Agency brings specialized expertise and market access to help you place challenging or niche insurance risks. We provide responsive service, knowledgeable underwriters, and a commitment to supporting your success in today’s competitive insurance landscape.
Contact us for more information on our Insurance Agents Professional Liability program.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Independent insurance agents, MGAs, surplus lines brokers, and health & life producers—especially those based in Texas—are ideal candidates.
Is this coverage available on an admitted basis?
We offer both admitted and non-admitted options, depending on the specific risk profile and state.
What is the minimum premium for this program?
The minimum premium starts at $500, subject to underwriting review of each account.
What coverages are included in the professional liability program?
Key coverages include Errors and Omissions, Directors and Officers, and Employment Practices Liability.
What states is this program available in?
The program is currently available in Texas. Contact us to discuss availability in other states.
Need help placing an account? Connect with a market specialist.