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Rockwood Programs has been a trusted provider of Errors and Omissions (E&O) Insurance for more than 13 years, offering tailored coverage designed specifically for Property and Casualty (P&C) insurance agents. Whether you represent newly licensed producers or seasoned brokers, Rockwood makes it straightforward to place dependable E&O coverage through a well-established program underwritten by Certain Underwriters at Lloyd’s, London. Ideal Accounts and Appetite This program is targeted to independent Property and Casualty insurance agents and small agencies generating less than $2 million in annual revenue. Rockwood can accommodate a wide range of P&C agent risks, including: Newly licensed P&C agents (licensed within the last 1–3 years) Established P&C agents and boutique agencies (licensed over 3 years) With access to multiple “A” rated carriers and a Lloyd’s placement, Rockwood can often place accounts that fall outside standard markets. If you have an agency startup or a small-to-mid-size firm with moderate exposures, this program is an excellent fit. Coverage Highlights and Advantages Low minimum premiums – Starting at $1,250 (plus tax/fees) Identity Theft Expense Coverage – Up to $25,000 included at no extra cost Flexible limits of liability – Multiple limit options to match your client’s needs Defense coverage – Covers attorney fees, court costs, settlements, and judgments (excluding intentional wrongdoing) This E&O policy protects your clients from allegations of mistakes or omissions arising from their day-to-day professional operations—providing financial protection for defense costs and potential settlements in an increasingly litigious environment. Underwriting Notes and Minimum Premiums Rockwood delivers efficient, experienced underwriting focused on the insurance agent E&O niche. Eligibility is typically based on licensing history, annual revenue, and the agent’s operations and product lines. The program’s competitive minimum premium is $1,250 (plus applicable taxes and fees). Industry experience shows a meaningful chance of an agent facing a reportable E&O claim over a career. Rockwood’s coverage is designed to provide a practical safety net—especially for small agencies that may not have the reserves to absorb defense costs. Territories and Availability The program is available in most U.S. states, including: 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, and WY. Admitted options are available in selected states—contact Rockwood for specific state availability and any regulatory considerations. Why Work With Rockwood Programs As a Managing General Agency focused on agent E&O, Rockwood offers more than a policy. Working with Rockwood gives you: Direct access to top-rated carriers, including Certain Underwriters at Lloyd’s of London Program flexibility for both new and experienced agents Responsive service and underwriting expertise geared to agent exposures A partner with over a decade of dedicated experience placing E&O for P&C agents Example scenarios where this program fits well: You have a newly licensed P&C producer launching as a solo agent who needs primary E&O protection with a low entry premium. You represent a boutique agency with several experienced agents and mixed commercial and personal lines, seeking flexible limits and added identity theft expense coverage. Whether you’re placing a single producer or an established small agency, Rockwood’s E&O program offers tailored protection with the marketplace access and underwriting support agents expect. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for Property and Casualty insurance agents with annual revenues under $2 million, including both newly licensed and established professionals. Is this E&O coverage available for newly licensed agents?Yes, Rockwood offers tailored coverage for P&C agents licensed within the last 1–3 years, making it a strong fit for startups and new producers. What is included in the Identity Theft coverage?The policy includes up to $25,000 in Identity Theft Expense coverage at no additional cost, helping protect agents from financial losses due to identity theft events. Are there admitted options available?Yes, Rockwood’s E&O program includes admitted options in select states. Availability may vary, so be sure to check on state-specific offerings. What is the minimum premium for this program?The minimum premium starts at $1,250, plus any applicable taxes and fees, depending on underwriting and state regulations. Need help placing an account? Connect with a market specialist.

Insurance Agent/Broker E&O Program from Rockwood Programs Rockwood Programs offers a comprehensive Errors & Omissions insurance solution tailored exclusively for retail insurance agents and brokers. Backed by Western World Insurance Group, rated “A” (Excellent) by A.M. Best with a Financial Size Category of IX, this program provides robust protection against professional liability exposures common to today’s retail producers. Ideal Accounts and Eligibility This program is designed for retail insurance agents and brokers with at least $2.5 million in gross written premium. It’s an excellent fit for established agencies that want reliable, broad coverage through an admitted product available in most states. If you have a client who is a growing regional agency expanding into specialty lines, or a long-standing broker who wants to upgrade from a basic E&O policy, this program could be a strong fit. Coverage Highlights and Advantages Broad definition of professional services Exclusion for B+/government-guaranteed insolvency Automatic coverage for independent contractors Punitive damages covered where allowed by law Included supplemental coverages at no extra cost: - Regulatory defense costs: $25,000 - Litigation expense reimbursement: $5,000 - Subpoena expense reimbursement: $5,000 Optional Coverage Enhancements Defense costs outside the limits of liability Employment practices claims expense reimbursement First dollar defense Privacy breach expense coverage Security incident expense coverage Aggregate retentions Underwriting Notes and Minimum Premium Rockwood evaluates each submission based on the agency’s size, experience, and risk profile. While minimum premiums vary, agents should expect competitive pricing aligned with the program’s broad coverage and high service standards. Territories and Availability This is an admitted program in most states, and is available in all U.S. states except possibly a few. Key markets include CA, TX, FL, NY, IL, and PA, among many others. Please contact Rockwood for state-specific availability. Why Work With Rockwood Programs As a seasoned Program Administrator, Rockwood Programs brings deep expertise in professional liability insurance. The company focuses on delivering responsive service, intelligent underwriting, and access to strong carrier partners like Western World Insurance Group. With a proven track record in the insurance agent/broker E&O space, Rockwood is a reliable partner for placing complex or high-premium accounts. Questions? Mark Lann - Executive Vice President [email protected] 302 307 3844 Frequently Asked Questions What types of accounts are a good fit for this program?Retail insurance agencies and brokers with at least $2.5 million in gross written premium are ideal candidates. Agencies with experienced staff and diversified books of business are a strong fit. Is this program admitted or non-admitted?This is an admitted program in most states, offering agents and brokers the benefit of regulatory compliance and financial security. What are some of the built-in coverage benefits?The policy includes regulatory defense costs ($25K), litigation reimbursement ($5K), and subpoena expense reimbursement ($5K) at no additional charge. Can independent contractors be covered under this policy?Yes, the program provides automatic coverage for independent contractors, which is ideal for agencies using 1099 producers. What optional enhancements are available?Enhancements include first dollar defense, defense outside the limits, privacy breach and security incident coverages, and employment practices claim expense reimbursement. Need help placing an account? Connect with a market specialist.

The Rockwood Non Profit D&O program is specifically designed to help independent agents and brokers secure reliable Directors and Officers liability coverage for nonprofit organizations. Offered on a claims-made basis, this program provides tailored protection for both the leadership and the entity against a wide range of liability exposures. Backed by highly rated carriers like Baldwin & Lyons, Inc., Rockwood delivers strong underwriting and responsive service to help you place hard-to-insure nonprofit risks. Ideal Accounts and Appetite This program is an excellent fit for a wide range of nonprofit organizations, including but not limited to: Charitable foundations Community and civic groups Educational and cultural institutions Advocacy and membership-based nonprofits Many board members are unaware that they can be held personally liable for decisions or actions taken in their roles. Rockwood’s Non Profit D&O program helps you provide your nonprofit clients with the coverage they need to manage that risk. You might have a client who is launching a community outreach nonprofit or an arts foundation with a newly formed board. These organizations often face exposures similar to for-profit entities and need solid D&O protection to safeguard their leadership and mission. Coverage Highlights and Advantages Rockwood’s Non Profit D&O Liability Insurance Program offers broad, flexible coverage options, including: Duty to Defend – Legal defense is provided even if allegations are groundless. Defense Costs Outside the Limit – Available in some cases to preserve policy limits for settlements. Wage and Hour Coverage – Provided subject to sub-limits. Exemplary or Punitive Damages – Covered up to the policy limits where insurable by law. Full Prior Acts Coverage – Included within the base policy. Coverage for Both Monetary and Non-Monetary Claims Optional tailored endorsements allow your clients to expand protection with additional features such as: Employment Practices Liability Fiduciary Liability Organizational Liability Limits range from $250,000 up to $5,000,000, with both stand-alone and package policy structures available. Underwriting Notes and Minimum Premiums Rockwood underwrites each submission carefully to match coverage to the nonprofit’s operations and risk profile. Minimum premiums vary depending on the size and scope of the organization, selected limits, and optional coverages. Quotes are typically turned around quickly, helping you meet client deadlines and respond to time-sensitive opportunities. Territories and Availability The Non Profit D&O program is available in most states, including but not limited to CA, FL, NY, TX, and IL. Some admitted options are available depending on the specific state and risk class. Coverage is offered in the following jurisdictions: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DC. Why Work With Rockwood Programs? As a leading program administrator, Rockwood Programs brings deep expertise in nonprofit liability exposures, strong carrier relationships, and attentive service. From tailored coverage options to fast quote turnaround, Rockwood supports agents in placing competitive, reliable Non Profit D&O coverage in a challenging market segment. Contact the Rockwood team to discuss your client’s needs and learn how their D&O solutions can help protect nonprofits and their boards from costly liability risks. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for most nonprofit organizations, including charities, community service groups, foundations, and educational or cultural institutions. What limits are available through the program?Liability limits range from $250,000 up to $5,000,000, with flexible options depending on the size and type of nonprofit. Can I include Employment Practices Liability with this program?Yes, Employment Practices Liability is available as an optional coverage enhancement under this program. Is coverage available in my state?The program is available in most U.S. states, including CA, FL, NY, TX, and many others. Contact Rockwood for state-specific options. What carriers back this program?The program is supported by Baldwin & Lyons, Inc., a highly rated carrier known for financial strength and reliability. Need help placing an account? Connect with a market specialist.

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