Program Overview
ProSight’s Insurance Agents program is intended for firms and individuals who provide advice, placement or servicing of insurance products. Underwriting emphasizes professional exposures arising from errors or omissions in placing or servicing coverages, marketing/advertising activities, and third-party personal injury allegations. The product is designed to be practical for everyday agent risks while offering higher limits where needed.
Ideal Accounts and Appetite
- Independent agents and small to mid-sized retail agencies
- Producers and brokers who place personal lines, commercial lines, and benefits products
- Agencies seeking disciplinary proceeding expense coverage and identity-theft options
Accounts that typically do not fit include firms with repeated regulatory actions, significant cyber security exposures without controls, or large wholesale broker operations — consult underwriter for borderline cases.
Underwriting Notes
Underwriting will review agency size, revenue, product mix, claims and regulatory history. Common submission requirements include a completed application, current loss runs, and an overview of agency operations. The program carries a minimum premium of $2,000 and can offer limits up to $5 million per claim/aggregate.
Territories & Availability
This program is offered by ProSight Specialty Insurance and is available in the following states and territories: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Coverage is placed on a non-admitted basis where applicable; please confirm filing requirements for the insured’s state.
Why Place Business Here
ProSight brings focused underwriting expertise for agent/broker professional exposures, flexible limits up to $5M, and built-in enhancements such as disciplinary expense reimbursement and identity-theft options. The program is a practical market for agents and small agencies that need comprehensive E&O protection with underwriting that understands agency operations.
Example Scenarios
• You have a small independent agency that places personal and commercial lines and wants E&O limits of $1–3M plus coverage for disciplinary proceedings — this program is a fit.
• A producer faces a potential advertising liability exposure after a marketing campaign; the advertising and personal injury coverages in this program can respond where applicable.
Frequently Asked Questions
What types of agencies are a good fit for ProSight’s Insurance Agents program?
Independent agents, small to mid-sized retail agencies and individual producers who place personal, commercial and benefits lines are ideal. The program targets firms with standard agency operations and reasonable claims/regulatory histories.
What are the available limits and minimum premium?
ProSight offers limits up to $5,000,000 per claim and aggregate. The program carries a minimum premium of $2,000; actual pricing depends on exposure, limits and loss history.
Does the program include disciplinary proceeding coverage?
Yes. The policy includes supplementary coverage for disciplinary proceedings and related expense reimbursement as part of the agent/broker E&O suite.
How should I submit a risk for consideration?
Prepare a completed application, current loss runs, and a description of the agency’s operations and product mix. Underwriting will review these materials to confirm appetite and pricing.
In which states is this program available and is it admitted?
The program is available in the states and territories listed above and is generally placed on a non-admitted basis where required. Confirm state filing status and any surplus-lines requirements for the insured’s domicile.
Need help placing an account? Connect with a market specialist.