Ideal Accounts and Appetite
This program is ideal for a wide array of professionals offering specialized or advisory services. Desired classes include:
- Insurance agents and brokers
- Real estate agents and brokers
- Consultants (various types)
- Executive recruiting firms
- Employment agencies
- Claims adjusters, billing services, and data processing centers
- Title agents, publishers, and PR firms
- Tour operators and event planners
Excluded risks include medical, legal, and pollution exposures, as well as life and health agents and fiduciary risks.
Coverage Highlights and Advantages
- Primary and excess limits available
- Limits ranging from $100,000 up to $5 million
- Deductibles as low as $2,500
- Minimum premiums starting at $2,500
Coverage is designed to protect against claims resulting from professional services rendered, such as administrative errors, miscommunication, missed deadlines, or failure to deliver contracted services. Whether your client is a solo consultant or a mid-sized agency, Caitlin Morgan can help you secure the right liability protection.
Underwriting Notes and Minimum Premiums
With underwriting flexibility and an understanding of niche professional exposures, Caitlin Morgan evaluates each submission with attention to detail. Minimum premiums start at $2,500, making this program accessible for small to mid-sized firms. Deductibles begin at $2,500, with options to adjust based on risk profile and limits selected.
Territories and Availability
This Miscellaneous E&O Insurance program is available in all 50 states and Washington, D.C. Caitlin Morgan places business on both an admitted and non-admitted basis, depending on the risk and market availability in your client’s state.
Why Work With Caitlin Morgan Insurance Services?
As a trusted wholesale broker, Caitlin Morgan brings market access and underwriting insight to help insurance agents and brokers place complex professional liability risks. Their team understands the nuances of miscellaneous E&O coverage and has experience working with a wide range of professional services firms. Whether you're placing a startup consulting firm or a seasoned title agency, Caitlin Morgan can help you find the right solution quickly and efficiently.
You might have a client who has launched a new employment agency or a small data processing center that needs tailored E&O coverage to satisfy vendor contracts. Caitlin Morgan can help you place these accounts with confidence.
Frequently Asked Questions
What types of accounts are a good fit for this Miscellaneous E&O program?
Professional service firms such as consultants, insurance agents, real estate brokers, title agents, claims adjusters, and event planners are ideal candidates for this program.
Are there any excluded classes under this program?
Yes, Caitlin Morgan excludes risks involving medical, legal, and pollution exposures, as well as life and health agents and fiduciary-related services.
What are the available coverage limits and deductibles?
Coverage limits range from $100,000 to $5 million, with deductibles starting as low as $2,500.
Is this program available nationwide?
Yes, this program is available in all 50 states and Washington, D.C., with both admitted and non-admitted options depending on the state and risk profile.
What is the minimum premium for this program?
The minimum premium starts at $2,500, making it suitable for small to mid-sized professional service firms.
Need help placing an account? Connect with a market specialist.