Insurance Agents Errors and Omissions Insurance

Ideal Accounts and Appetite

This program is tailored for retail insurance agents and brokers operating in the western U.S., including those who:

• Sell personal and commercial lines of insurance
• Offer employee benefits counseling services
• Act as notary publics or provide related professional services
• Are involved in mutual fund and annuity sales

We also provide coverage for independent contractors working under the umbrella of an agency. Whether your client is a small agency with a clean loss history or a mid-sized operation with more specialized risks, our E&O markets are built to support them.

Coverage Highlights and Advantages

Colonial General’s E&O policies offer some of the most inclusive features available, helping to protect your insureds against costly claims resulting from professional errors, omissions, or negligence. Key features include:

• Access to both admitted and non-admitted markets with A+ rated carriers
• Coverage for independent contractors and temporary staff
• Protection for mutual fund and annuity sales
• Broad professional services definition: includes notary public, employee benefits counselor, and insurance agent/broker roles
• Coverage for care, custody & control of clients’ records
• Catastrophe extra expense reimbursement
• Defense costs available both inside and outside the limits
• Optional "First Dollar Defense" available through select carriers
• Limits of liability from $1 million to $5 million, including split limit options
• Low deductible options starting at $2,500
• No property damage exclusion

Underwriting Notes and Minimum Premiums

Minimum premiums start at $1,500, making this a cost-effective solution for smaller firms and solo practitioners. We underwrite each submission carefully to match your client with an appropriate carrier and coverage form. Clean risk histories and full disclosures will help speed up the quoting process.

Territories and Availability

This program is currently available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. We serve a variety of retail agencies within these states and understand the regional nuances influencing your clients’ operations.

Why Work With Colonial General?

As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings decades of experience in placing specialty commercial lines—including E&O for insurance professionals. Our in-house underwriters and strong carrier partnerships allow us to offer flexible solutions, quick turnarounds, and dedicated support from submission to binding.

You might have a client who recently expanded into selling annuities or one who employs a team of producers across multiple western states—our program can help protect them both. Let us help you deliver value and peace of mind to your insureds while strengthening your book of business.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.