Specialty Insurance Agents/Brokers E&O
Are you offering your clients comprehensive, competitive Errors & Omissions (E&O) protection for their insurance operations?
Tennant Risk Services specializes in E&O coverage for insurance agents, brokers, and related service providers. As a Managing General Agency and Excess & Surplus Lines Broker, we combine deep underwriting expertise, fast turnaround, and broad market access to help you place even complex or hard-to-place accounts.
We support retail producers with tailored E&O solutions for established agencies and new operations alike. Our carrier relationships and underwriting experience allow us to quote competitive terms and broad coverage options—often where other markets cannot.
Target Classes
- Property/Casualty agents and brokers
- Retail and wholesale insurance operations
- Managing General Agents (MGAs) and underwriting managers
- Surplus lines brokers
- Life, health, and disability agents
- Risk management and insurance consultants
- Third-party administrators (TPAs)
- Reinsurance intermediaries
- Premium finance companies
We also have a strong appetite for more challenging accounts, including:
- Specialty lines concentrations — aviation, medical malpractice, marine, bonds
- Accounts with adverse loss history
- Startups and newly licensed agencies
- Firms offering multiple insurance services or specialty divisions
Coverage Highlights
- Minimum premiums starting at $1,750
- Coverage for independent contractors
- Insolvency coverage
- Risk management services included
- Multiple limit and deductible options
- Defense outside the limits
- First-dollar defense available
- Optional cyber risk and EPL coverage
Sample account scenarios
- Medical-malpractice-focused agency that benefits from risk management services — $1M limit, $10,500 premium (example)
- Retail agency with prior claims seeking broader limits — $2M limit, $15,000 premium (example)
- Newly formed P&C and life/health agency seeking an affordable startup option — $1M limit, $1,700 premium (example)
- Large multi-division agency requiring high limits and specialty capacity — $2M limit, $48,000 premium (example)
- Wholesale MGA needing excess capacity — $10M limit, $195,000 premium (example)
Whether you're placing a straightforward agency or a high-risk specialty operation, Tennant Risk Services offers the underwriting depth and market access to help you succeed. We work with multiple carriers and can access both admitted and non-admitted markets depending on the risk profile, territory, and size of the account.
Territory and availability
This program is available in all 50 states and Washington, DC. Our nationwide reach lets you place accounts across diverse regions, including hard-to-place areas and niche markets.
At Tennant Risk Services, we provide retail producers with the tools and market access needed to serve agency clients effectively—backed by specialty underwriting knowledge, responsive service, and flexible products. For a fast quote or to discuss a specific submission, please call or
email us today.
Put our Insurance Agents/Brokers E&O expertise to work for you!
Frequently Asked Questions
What types of accounts are a good fit for this E&O program?
This program fits retail and wholesale agencies, MGAs, surplus lines brokers, TPAs, and specialty producers such as aviation or medical-malpractice agents.
Can you help with new or startup insurance agencies?
Yes. We welcome newly formed and newly licensed agencies, including firms that offer multiple lines or combined services.
Do you offer coverage for agencies with claims or loss history?
Yes. We work with markets that will consider accounts with adverse loss experience and collaborate with agents to find structured solutions.
Is coverage available nationwide?
Yes. This program is available in all 50 states and Washington, DC.
Are admitted and non-admitted options available?
Some admitted markets are available depending on the risk and territory. When admitted coverage is not an option, we can place business in non-admitted markets to secure capacity.
Need help placing an account? Connect with a market specialist.