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Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Title Agent Insurance program designed to protect Title and Escrow Agents from the financial impact of professional liability exposures. This Professional Liability Errors and Omissions (E&O) coverage is structured to help safeguard your clients against claims resulting from errors or omissions in the course of providing title services. Whether the claim arises from an alleged failure to disclose information or a mistake in processing documentation, this program provides essential protection for your insureds and peace of mind for your agency. Ideal Accounts and Appetite This program is ideal for independent Title Agents, Escrow Officers, and small to mid-sized agencies focused on real estate closings, title searches, and escrow services. If you have clients who are involved in issuing title insurance policies or facilitating real estate transactions, this market can be a great fit. Colonial General works with a range of carriers to help find suitable coverage for both standard and hard-to-place risks. Example accounts that fit well include: A small title agency in New Mexico handling residential and occasional commercial closings. An escrow firm in Arizona that contracts with real estate professionals and lenders. Coverage Highlights and Advantages The E&O program offers flexible limits starting at $100,000 and $300,000, with deductibles as low as $1,000. Coverage includes both defense and indemnity for covered claims, even if the allegations are groundless. This is particularly important in the highly detailed and time-sensitive world of title services, where even minor oversights can lead to costly legal disputes. Key features include: Defense and settlement costs covered for professional liability claims. Coverage tailored to Title and Escrow professionals. Competitive minimum deductible options. Access to multiple carriers for flexible underwriting solutions. *Coverage terms and premium will vary based on the carrier that the risk is placed with. Underwriting Notes and Minimum Premiums Colonial General evaluates each submission based on the size of the agency, scope of services, claims history, and jurisdiction. While premiums vary depending on the risk profile and market, the agency works to provide competitive pricing and responsive underwriting support. Deductibles and limits can be customized to meet your clients’ needs. Territories and Availability This Title Agent Insurance program is available to agents and brokers placing business in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted markets are available in some territories, and Colonial General also has access to non-admitted solutions when needed. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise in niche professional liability placements. Their strong carrier relationships and regional focus allow them to offer tailored solutions for Title and Escrow professionals in the Western U.S. With fast turnaround times, responsive service, and underwriting flexibility, Colonial General is a trusted partner for agents and brokers seeking reliable E&O coverage options for title-related businesses. Frequently Asked Questions What types of accounts are a good fit for this program?Independent Title Agents, Escrow Officers, and small to mid-sized agencies that specialize in real estate transactions are ideal candidates for this coverage. Is this program available in admitted markets?Yes, admitted markets are available in some states, but the program also offers access to non-admitted carriers depending on the risk and location. What limits and deductibles are available?Limits start at $100,000 and $300,000, with deductibles as low as $1,000. Higher limits and customized deductibles may also be available based on underwriting. Which states does this program cover?The program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Does the policy cover defense costs for groundless claims?Yes, the policy includes coverage for the defense and settlement of covered claims, even if the allegations are groundless. Need help placing an account? Connect with a market specialist. ...

Policy Highlights: Colonial General Insurance Agency, Inc. offers a focused Errors & Omissions (E&O) insurance program specifically for insurance agents and brokers. With access to a range of A.M. Best A+ rated admitted and non-admitted carriers, Colonial General can help you place dependable professional liability coverage with competitive pricing and broad terms tailored to agency operations. Ideal Accounts and Appetite This program is designed for retail insurance agents and brokers in the western U.S. who need professional liability protection for their advisory and transactional work. Typical fits include agencies that: Sell personal and commercial lines Provide employee benefits counseling and enrollment services Perform notary public duties or other related professional services Are involved in mutual fund and annuity sales Coverage is also available for independent contractors and temporary staff operating under an agency’s supervision. The program works well for solo practitioners and small agencies with clean loss histories as well as mid-sized agencies that have more specialized exposures. Coverage Highlights and Advantages Colonial General’s E&O policies include a range of features that help protect insureds from claims alleging professional errors, omissions, or negligent acts. Key advantages 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 that 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" through select carriers Limits of liability from $1 million...ubmission through binding. You might have a client who recently added annuity or mutual fund sales and needs E&O coverage that includes financial products — this program can address that exposure. Or you may represent a regional agency with producers operating in multiple western states that requires consistent coverage and reliable claims handling. Colonial General’s markets are structured to accommodate both scenarios. Frequently Asked Questions What types of accounts are a good fit for this E&O program?This program is ideal for retail insurance agencies and brokers offering personal and commercial lines, employee benefits counseling, and financial products such as annuities or mutual funds. Is coverage available for independent contractors?Yes. The program includes coverage for independent contractors working under an agency, which accommodates agencies that use a mix of employees and contracted producers. What are the liability limits and deductible options?Limits range from $1 million to $5 million, with split-limit options available. Deductible choices include low options starting at $2,500; specific availability depends on carrier selection and account details. In which states is this program available?This Errors & Omissions program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What is the minimum premium for this program?The minimum premium begins at $1,500, making the program a cost-effective option for smaller agencies and solo practitioners with favorable loss histories. Need help placing an account? Connect with a market specialist.

U.S. Risk Underwriters has the markets and expertise to help you place coverage for your Title Agent accounts. With a dedicated in-house underwriting team and access to top-rated markets, U.S. Risk Insurance Group, Inc. offers a national Title Agents Errors & Omissions (E&O) program designed to protect professionals in the title industry. Our specialists provide responsive service and fast turnaround on quotes, helping you meet your clients' needs efficiently. This program is written through an A+ XV rated carrier and is available in most states across the U.S. It features low minimum premiums starting at $2,500 and competitive rates structured to support agencies of all sizes. Ideal Insureds Include: Title Insurance Agents Escrow Agents Title Abstractors Title Searchers Closing Agents Notary Publics Whether your client is a solo notary or a multi-state title agency, this program is designed to address the professional liability exposures unique to their operations. You might have a client who conducts real estate closings and manages escrow accounts—this program can help protect them from claims arising from errors, omissions, or disciplinary actions. Coverage Features: • Prior Acts coverage available • Independent contractor coverage available • Supplemental coverage for disciplinary proceedings • No minimum revenue requirements • Claims expenses included within the limit of liability Limits and Deductibles: • Limits from $100,000 to $1,000,000 per claim and in the aggregate • Deductibles starting at $5,000, applying to both damages and claims expenses Program Availability: U.S. Risk offers this program nationwide in most markets, 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..., WA, DC, WV, WI, and WY. Why Partner With U.S. Risk: As a leading program administrator, U.S. Risk Underwriters brings deep expertise and strong carrier relationships to the table. Our team is focused on helping independent agents like you successfully place E&O coverage for title professionals, offering you dependable underwriting, consistent communication, and access to competitive products. Frequently Asked Questions What types of accounts are a good fit for this Title Agents E&O program?This program is ideal for title insurance agents, escrow agents, abstractors, title searchers, closing agents, and notaries. Both small and mid-sized firms are eligible, including those using independent contractors. Is prior acts coverage available?Yes, prior acts coverage can be included, subject to underwriting review and approval. Are there revenue restrictions for eligibility?No, this program does not impose minimum revenue requirements, making it accessible for smaller operations as well as larger agencies. What are the minimum premium and deductible requirements?The minimum premium starts at $2,500, with deductibles beginning at $5,000. These apply to both damages and claims expenses. In which states is this program available?The Title Agents E&O program is available in most U.S. states. Please contact U.S. Risk for availability in specific jurisdictions. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. places Travel Agent Insurance with carriers that understand the unique, worldwide exposures of the travel industry. Travel agencies can be named in bodily-injury and third-party liability claims arising anywhere a client travels, so available programs emphasize global protection tied to travel-related operations. Colonial General has access to A.M. Best A+ rated markets and excess & surplus options, allowing you to place a broad range of travel agencies and related operations regardless of itinerary complexity or geographic reach. Overview of the Program From Colonial General This Travel Agent Insurance program is designed for retail and online travel agencies, travel management companies, tour operators, travel consultants, and related service providers. The program blends professional liability (errors & omissions) and general liability solutions tailored for businesses that plan, book, and manage travel. Coverage placements may be offered as admitted paper in some markets and non-admitted or E&S solutions where needed for higher-risk or multi-jurisdictional accounts. Ideal Accounts and Appetite Retail travel agencies and storefront brokers selling packaged tours and air, cruise, and hotel reservations. Online travel agencies and booking platforms arranging domestic and international travel. Corporate travel managers and travel concierges coordinating multi-destination itineraries. Small tour operators and niche specialty travel providers (adventure, destination weddings, group travel) — subject to underwriting review. Accounts that typically fit: agencies with documented booking procedures, use of supplier contracts/waivers, clear refund and cancellation policies, and reasonable annual revenues. Higher-risk operations (e.g., on-site guiding, hazardous-activity operators) may require referral or may be ineligible depending on carrier appetite. Coverage Highlights and Advantages Worldwide exposure recognition: policies can be structured to respond to claims arising outside the U.S. tied to the agency’s arrangements. Professional liability (E&O) tailored to travel booking, itinerary mistakes, and supplier errors. General liability solutions available to address third-party bodily injury and property damage connected to agency operations. Access to A.M. Best A+ rated admitted markets where available, plus excess & surplus options for tougher risks. Flexible placement options for multi-state operations across the program’s territory footprint. Underwriting Notes and Placement Considerations Underwriters will evaluate the agency’s scope of services, use of supplier contracts, consumer-facing policies, and loss history. Provide clear details on international operations, third-party suppliers, and whether the agency coordinates travel involving hazardous activities. Documentation such as sample client agreements, website disclosures, and supplier contracts speeds placement and improves terms. Some coverages or limits may be offered on admitted paper in certain states; others will be placed non-admitted depending on risk and territory. Territories and Availability Available in AZ, CA, CO, ID, NV, NM, UT, and WY. Placement may be admitted in some markets and non-admitted in others—availability will depend on the carrier selected and the insured’s specific operations. Why Work With Colonial General on Travel Agent Business Specialized underwriting familiarity with travel-related exposures and worldwide liability issues. Access to multiple A.M. Best A+ carriers plus E&S markets to handle complex or higher-risk accounts. Support for agents who need flexible solutions for both small storefront agencies and online platforms. Practical underwriting guidance on documentation and best practices that improve placement success and reduce uncovered gaps. Example Scenarios You have a small retail agency that books international honeymoon packages and needs professional liability and GL coverage recognizing exposures outside the U.S.—this program can place admitted or E&S paper depending on state and operations. You represent an online booking platform that arranges global travel and wants broader professional liability limits and supplier contract review—Colonial General can access markets familiar with multi-jurisdictional exposures. Frequently Asked Questions What types of travel businesses are a good fit for this program?Retail travel agencies, online travel agencies, corporate travel managers, and small tour operators are the primary fits. Appetite is best for agencies that coordinate travel rather than operate on-site adventure activities; higher-risk operations may need specialized underwriting. Are worldwide claims covered?Yes—underwriters understand that travel agencies face claims arising outside the U.S., and policies can be structured to address worldwide exposures. Coverage specifics and territorial language depend on the carrier and the insured’s exposures. Is this placed on admitted paper or through E&S markets?Colonial General can access both admitted A.M. Best A+ carriers and excess & surplus options. Whether a submission is placed admitted or non-admitted depends on the state, carrier appetite, and account characteristics. What information speeds up underwriting and quoting?Provide a description of services, revenue breakdown, sample client agreements, refund/cancellation policies, supplier contracts, and loss history. Clear documentation of booking procedures and risk controls improves placement speed and terms. Need help placing an account? Connect with a market specialist. ...

Insurance Agents and Brokers E&O Program U.S. Risk Insurance Group, Inc. offers a comprehensive nationwide Errors & Omissions (E&O) program designed specifically for insurance agents and brokers. Whether you're a personal lines agent, commercial lines expert, or life and health producer, this program helps safeguard your professional services with tailored protection. The program also extends to General Agents, Wholesalers, Surplus Lines Brokers, MGAs, and Program Administrators—making it a versatile solution for diverse agency operations. Ideal Accounts and Appetite This E&O program is built for a wide range of professionals in the insurance space, including: Property & Casualty (P&C) agents Life and Accident & Health (A&H) agents Personal and commercial lines agents Start-up agencies and smaller firms looking for economical coverage You might have a client launching a new independent agency or a seasoned wholesaler expanding into new lines—this program can accommodate both with flexible limits and competitive pricing structures. Coverage Highlights and Advantages Prior Acts coverage is available, helping to bridge past service exposures Personal injury coverage included when related to professional services Claims Made and Reported form available in the Basic Program Limits and Deductibles Limits up to $5 million per claim and in aggregate, with defense outside the limit options Deductibles starting as low as $1,000, with aggregate deductible options $25,000 sub-limit for employment practices liability claims Basic Program Option Designed for newer or smaller operations, including start-ups Low minimum premiums with competitive rates Eligible classes include P&C Agents, Life/A&H, General Agents, Wholesalers, MGAs, and Program Administrators ... Limits from $250,000 to $1 million per claim/aggregate; claims expenses within the limit Deductibles starting at $2,500, applying to both damages and claims expenses Underwriting Notes and Minimum Premiums The program is underwritten by U.S. Risk Insurance Group, Inc., a Managing General Underwriter with access to various top-rated carriers. Most markets offered are admitted, providing stability and compliance in regulated jurisdictions. Minimum premiums start at $2,000, making this program accessible for a broad range of agency sizes and risk profiles. Territories and Availability This program is available nationwide, including all 50 states and Washington, D.C. Whether your client is in California, Texas, New York, Florida, or any other state, you can offer them tailored E&O protection through this program. Why Work With U.S. Risk Insurance Group, Inc. U.S. Risk brings decades of experience in specialty insurance program management. As a Managing General Underwriter, the company offers deep underwriting knowledge, responsive service, and access to multiple carriers. Their focus on the insurance agent and broker sector means you’ll be working with professionals who understand the unique risks and regulatory challenges your clients face. Frequently Asked Questions What types of insurance professionals are eligible for this E&O program?Eligible classes include personal and commercial lines agents, life and health agents, general agents, wholesalers, surplus lines brokers, MGAs, and program administrators. Is this program suitable for new or small agencies?Yes, the Basic Program is designed specifically for start-ups and smaller operations, offering low minimum premiums and flexible coverage options. What are the available coverage limits?Limits range from $250,000 to $5 million per claim and in aggregate, depending on the program selected. Defense outside the limits is also available in some cases. Is the program available in all states?Yes, the program is available nationwide, including all 50 states and Washington, D.C. Does the coverage include prior acts?Yes, prior acts coverage is available for qualifying accounts, helping to cover services rendered before the policy inception date. Need help placing an account? Connect with a market specialist.

Insurance Agents Errors and Omissions Insurance Overview of the Program from Alexander J. Wayne & Associates, Inc. Alexander J. Wayne & Associates places professional liability protection for insurance agents and brokers nationwide. Our Insurance Agents Errors and Omissions Insurance program pairs broad policy forms with a deep wholesale-broker market to help protect agencies’ balance sheets and personal assets from mistakes, omissions, and professional exposure. Because many carriers require proof of E&O for appointments, this program helps you meet carrier requirements while managing client risk. Ideal Accounts and Appetite Retail and independent insurance agents and brokers — personal and commercial lines producers Managing general agents (MGAs), third-party administrators (TPAs), reinsurance intermediaries Claims adjusters, insurance inspectors, and premium finance companies Agencies with prior claims activity — we have markets that will consider accounts with history Specialty agents and niche producers (subject to underwriting review) You might place a mid-sized regional agency seeking prior-acts continuity, or a specialty E&S agent who needs tailored limits and excess options. We do not typically place accounts with ongoing, unresolved professional litigation without prior discussion with our underwriters. Coverage Highlights and Advantages Duty to defend and defense costs in addition to limits (where available) First-dollar defense options Prior acts coverage to match expiring policies Coverage for independent contractors and broad definition of covered services Personal injury coverage and insolvency carve-backs available in many forms Excess capacity and tailored limits for larger placements All carrier partners rated A- or better by A.M. Best; access to major U.S. carriers and Lloyd’s of London (domestic and London open market) Underwriting Notes and Minimums As a wholesale broker, Alexander J. Wayne & Associates leverages relationships across admitted and surplus lines markets to place standard agents as well as accounts with prior claims. Typical underwriting considerations include agency size, lines placed, loss history, E&O controls and documentation practices, and whether the agency sells specialty or high-volatility products. Minimum premiums and program-specific terms vary by market and state. We can often place accounts with competitive minimums and will match prior acts limits where needed — submit the agency’s application, loss runs, and a summary of operations for a timely review. Territories and Availability This program is available in all states and U.S. territories listed below. We handle both admitted and non-admitted placements depending on the market selected. Available in: 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...VA, WA, DC, WV, WI, WY Why Work With Alexander J. Wayne & Associates, Inc. Wholesale broker expertise and direct access to multiple admitted and surplus markets, including Lloyd’s and major U.S. carriers Experience placing both clean and complex risks — including MGAs, TPAs, and agents with prior claims Ability to negotiate policy terms and secure prior-acts continuity for renewal placements Focus on practical, market-specific solutions so you can deliver placement and appointment-ready evidence of E&O to your carrier partners Example placement scenarios An independent agency expanding into commercial lines that needs prior acts coverage to align with an expiring policy and wants first-dollar defense — we can package admitted or surplus options with tailored prior-acts language. An MGA seeking excess limits and insolvent carrier carve-backs for transactions involving delegated authority — we can access specialty carriers on the London open market and U.S. excess markets. As your wholesale broker advocate, Alexander J. Wayne & Associates helps you find the best combination of coverage, market capacity, and competitive terms for insurance agents E&O exposures. Frequently Asked Questions What types of agent accounts are the best fit for this E&O program?Independent retail agents and brokers, MGAs, TPAs, claims adjusters, and specialty producers are all commonly placed. We handle both standard accounts and those with prior claims, subject to underwriting review. Can prior acts coverage be provided to match an expiring policy?Yes. Many of our markets will offer prior acts coverage to match expiring limits and retroactive dates. Provide the expiring policy wording and loss runs so we can secure comparable continuity. Do you place agents with prior claims or disciplinary history?We have markets that consider accounts with prior claims. Decisions depend on the severity and frequency of losses, corrective actions taken, and current controls. Submit full loss runs and a claims narrative for proper evaluation. Which states and markets can you place through?We place business across the U.S., using both admitted and surplus lines markets as appropriate. Our program is available in the states listed above and includes access to major U.S. carriers and Lloyd’s of London. Need help placing an account? Connect with a market specialist.

Insurance Agent Errors & Omissions Program from Continental Risk / Continental Marine Insurance Services Continental Risk / Continental Marine Insurance Services offers a competitive Insurance Agent Errors & Omissions (E&O) Program tailored for agencies with annual revenues exceeding $500,000. Designed for retail and wholesale insurance professionals, this program delivers robust protection against professional liability exposures unique to the insurance industry. Whether you're a retail agent, wholesale broker, managing general agent, or program administrator, this specialized E&O solution helps safeguard your business from claims related to professional negligence, errors, or omissions in the course of serving your clients. Ideal Accounts and Appetite This program targets a wide range of insurance professionals, including: Retail Insurance Agents Wholesale Insurance Brokers Life and Property & Casualty Agents Managing General Agents (MGAs) Program Administrators A minimum revenue threshold of $500,000 is required for this program. Agencies below that level may still qualify for alternative E&O solutions through Continental Risk. You might have a client who recently scaled up their operation and now needs higher E&O limits to satisfy carrier requirements. Or perhaps you're working with a multi-state MGA looking for flexible coverage that includes defense outside the limits — this program can address both scenarios. Coverage Highlights and Advantages The Insurance Agent E&O Program is structured to meet the real-world risks faced by insurance professionals. Key features include: Limits up to $10,000,000 Primary and excess coverage options Admitted in most states Duty-to-defend policy form Defense costs available outside the limit of liability No mold or pollution exclusions Coverage for independent contractors First-dollar defense options Limited insurer insolvency exclusion Multi-year extended reporting period options Automatic 60-day post-policy reporting period Personal injury coverage included Underwriting Notes and Minimum Premiums Minimum premiums will vary based on carrier and underwriting factors such as agency size, revenue, and loss history. Continental Risk partners only with carriers rated "A" or better, ensuring quality backing for every policy. While this program is structured for larger agencies, smaller firms may still access E&O options through Continental Risk’s alternative programs. Submissions should include complete applications, revenue breakdowns, and recent loss runs if available. Territories and Availability This program is available in all 50 states and Washington, D.C., offering broad geographic flexibility. Admitted markets are available in most states, depending on the account's characteristics and coverage structure. Why Work With Continental Risk / Continental Marine Insurance Services? As a wholesale broker with extensive experience in professional liability, Continental Risk / Continental Marine Insurance Services provides agents and brokers with access to proven markets, responsive service, and tailored solutions. Their deep understanding of the insurance industry ensures that you receive expert guidance when placing complex E&O risks. Whether you're trying to meet a carrier’s E&O requirement for a newly appointed agency or helping a long-time client renew with higher limits and broader coverage, Continental Risk is a reliable partner for your insurance professional liability needs. Frequently Asked Questions What types of accounts are a good fit for this E&O program?This program is ideal for retail and wholesale insurance agents, MGAs, life and P&C agents, and program administrators with annual revenues over $500,000. Is this program available for agencies in all states?Yes, the program is available in all 50 states and Washington, D.C., with admitted markets accessible in most states. What are the coverage limits offered?The program offers limits up to $10,000,000, with both primary and excess options available. Are independent contractors covered under this policy?Yes, the program includes coverage for independent contractors, subject to underwriting approval. Can smaller agencies under $500,000 in revenue still get coverage?Yes, Continental Risk offers alternative E&O solutions for smaller firms that do not meet the revenue threshold for this program. Need help placing an account? Connect with a market specialist. ...

Real Estate Agents Insurance — Errors & Omissions (E&O) Real estate agents, brokers, and property managers face a growing blend of professional and property-management exposures as business models evolve. Donald Gaddis Company offers a flexible Real Estate Agents Insurance program designed to help you place accounts that require tailored E&O protection—especially firms that combine sales, leasing, and third-party property management. Ideal Accounts and Appetite This program is intended for residential and commercial real estate professionals whose operations include one or more of the following: Residential agents with light to moderate property management responsibilities Agents and brokers in resort or coastal markets who manage short-term rentals Commercial brokers seeking E&O with GL-style enhancements Property managers handling residential or mixed-use buildings for third-party owners Typical fits: firms with straightforward transaction volumes, mixed sales/management duties, or programs that need discrete sub-limits for lockbox or environmental exposures. Accounts with high-hazard property management (e.g., full-service multifamily operations with on-site maintenance staff and large tenant rosters) may require specialized markets outside this program. Coverage Highlights and Advantages Donald Gaddis Company places this program with a fluid list of carriers to address common exposures real estate professionals confront, including: Misrepresentation — Defense and indemnity for claims alleging incorrect or incomplete information provided to buyers or tenants. Lockbox liability — Available sub-limits for claims arising from property access issues. Environmental exposures — Protection for undisclosed issues such as septic failures or historical soil contamination. Contractual errors — Coverage for mistakes in contracts, late submissions, or negligent vendor referrals. Property management liability — Defense for suits brought by property owners and tenants related to management services. Tenant discrimination — Offered by select carriers via separate limits or modified exclusions. We work with you to identify policy wording and endorsements that align with each client’s operational footprint and risk appetite. Underwriting Notes and Minimum Premiums Programs are competitively priced and start as low as $400 for many residential agents and approximately $1,000 for commercial agents, depending on location and exposure. Underwriting focuses on transaction volume, prior claims or disciplinary history, property management duties, and whether short-term rentals are managed. Clear, complete submissions with details on management activity, screening procedures, and contracts improve placement speed and market options. Territories and Availability Donald Gaddis Company offers this Real Estate Agents E&O program in most states, including: AL, AZ, CA, CO, FL, GA, HI, IL, IN, IA, KS, MI, MN, MO, NE, NY, NC, OH, OK, PA, SC, TN, TX, VA, WV, and WI. Admitted markets are available in many of these states depending on the risk and carrier appetite. Why Work With Donald Gaddis Company? As a wholesale broker with deep experience in professional liability and real estate exposures, Donald Gaddis Company pairs carrier access with hands-on underwriting guidance. You gain: Access to a fluid panel of carriers that can offer admitted and non-admitted solutions depending on the state and risk Practical placement advice to match coverage form and limits to the client’s duties Assistance negotiating endorsements for lockbox, environmental, and tenant-related exposures Whether your client is a suburban residential agent adding property management, a coastal agent managing short-term rentals, or a commercial broker seeking E&O with GL-style enhancements, Donald Gaddis Company helps you identify the right market and policy language. Example Account Scenarios You have a small residential brokerage in a beach town that lists homes and manages several short-term rentals for absentee owners — this program can provide E&O with lockbox and environmental considerations. You represent a commercial broker who performs leasing and property oversight for several mixed-use properties and needs E&O with property management liability included — we can target carriers that offer those combined features. Frequently Asked Questions What types of accounts are a good fit for this program? Residential agents, commercial brokers, and property managers with light to moderate management duties—especially those with mixed sales and management roles—are an excellent fit. Does this program include tenant discrimination coverage? Yes—some carriers in our panel offer tenant discrimination coverage via separate limits or modified exclusions. We’ll identify the appropriate carrier during placement. Are both residential and commercial agents eligible? Yes. We place both residential and commercial real estate professionals; minimum premiums and available enhancements vary by account type and location. Is this program available nationwide? The program is available in most states listed above, with admitted markets offered in many of them depending on carrier appetite and the specific risk. Can this policy cover agents who also manage rental properties? Absolutely. The program is designed to cover agents who also perform property management, including short-term rental management in appropriate markets. Need help placing an account? Connect with a market specialist. ...

Real Estate Agents face a wide range of professional liability risks—regardless of experience or how diligent they are in serving their clients. From errors in property listings to disputes over disclosures and contracts, the potential for claims is ever-present. That’s why it’s essential for agents and brokers to help their real estate clients secure comprehensive coverage designed for their unique exposures. Real Estate Agent Insurance Solutions From Prime Insurance Company With more than 30 years of underwriting experience, Prime Insurance Company offers tailored liability insurance solutions for real estate professionals. Our program is specifically designed to address the risks faced by both individual agents and firms working in real estate sales, appraisals, and auctions. We understand that real estate professionals often prioritize client needs over their own risk management, so we help you deliver peace of mind with flexible, responsive coverage options. Ideal Accounts and Target Classes This program is ideal for a wide range of real estate professionals, including: Independent Real Estate Agents Real Estate Firms Appraisal Firms Auctioneers Independent Brokers If you have clients who are launching new real estate ventures or expanding into high-risk property types, Prime can often offer options where others decline. For example, you might have a client who’s a sole proprietor real estate agent handling both residential and commercial listings—this type of account is a strong fit for our program. Coverage Highlights and Advantages Professional liability tailored to real estate professionals Legal defense and indemnity coverage for covered claims No minimum premium requirements Coverage available for both admitted and non-admitted markets Fast turnaround—quotes typically within 48 hours; same-day quotes available upon request In the event of a claim, Prime Insurance Company will be the trusted partner you and your client need, providing legal defense and covering damages up to the policy limit. Underwriting Notes and Submission Requirements We do not have a minimum premium requirement, giving you the flexibility to place accounts of all sizes. However, we require complete and accurate submission documentation before binding coverage. This ensures we can offer the best possible terms and pricing for your client’s risk profile. Territories and Availability This Real Estate Agents program is available in all 50 states and Washington, D.C., 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... DC, WV, WI, and WY. Why Work With Prime Insurance Company? As a carrier with deep expertise in niche liability markets, Prime Insurance Company offers flexible underwriting, responsive turnaround times, and a broad appetite for real estate-related risks. Whether you're working with a startup real estate firm or a seasoned independent agent, we can help you deliver custom insurance solutions that protect your clients and strengthen your relationships. Partner with Prime to access a reliable, experienced market that understands the unique challenges of insuring real estate professionals. Frequently Asked Questions What types of accounts are a good fit for this Real Estate Agents program?This program is ideal for independent real estate agents, real estate firms, appraisal firms, auctioneers, and independent brokers across both residential and commercial sectors. Is there a minimum premium required to bind coverage?No, Prime Insurance Company does not require a minimum premium. However, all required documents must be submitted before coverage can be bound. How quickly can I get a quote for my client?Quotes are typically provided within 48 hours. Expedited, same-day quotes are available upon request for urgent submissions. Is this program available in all states?Yes, the program is available in all 50 states and Washington, D.C. What makes Prime Insurance Company a strong partner for real estate risks?With over 30 years of underwriting experience, Prime offers flexible, customized solutions and a strong legal defense capability for real estate professionals facing liability claims. Need help placing an account? Connect with a market specialist.

The Life Agent Solutions Insurance Program provides independent life insurance agents with a cutting-edge E&O liability product with broad coverage, attractive pricing, plus online distribution for immediate coverage. Please note: If your BGA or IMO provided you with a unique website address to access this program, please use that URL to access their customized site. Life Agent Solutions Insurance Program Benefits Attractive pricing - premiums as low as $434* B+ insolvency coverage Simple one-step online process Easy payment options online for immediate coverage Print proof of coverage Enterprise risk management Easy online account management *Based on Basic Plan (includes premium, taxes and any fees) which includes coverage for Fixed Life, Accident & Health, Long Term Care and Disability Products. Life Agent Solutions Insurance Program Key Coverage Highlights Vicarious liability coverage for the negligent acts by anyone for whom the insured is legally liable There is no shared policy limit between independent agents who are named insureds in the program or between BGAs who are named insureds in the program No coverage exclusion for placements with companies rated B+ or better with A.M. Best Defense costs are outside of the limits of liability Corporate Identity Protection Coverage Crisis Response Coverage Electronic Media Coverage Mediation Deductible Credit Disciplinary Proceedings Coverage Loss of Earnings due to Hearings or Depositions Regulatory Inquiry Coverage Life Agent Solutions Insurance Program Coverage Options Basic Coverage (premiums starting at $434*) - under the policy includes the sale and service of the following – individual and/or group life insurance and accident and health insurance, individual and/or group disability income insurance, long-term care insurance, Medicare Supplemental Insurance and Medicare Advantage plans. Basic Plus Coverage (premiums starting at $502*) - is available by endorsement and in addition to Basic Coverage includes the sale and servicing of fixed annuities and indexed annuities. Comprehensive Coverage (premiums starting at $627*) - is available by endorsement and in addition to Basic Plus Coverage includes the additional sale and servicing of fixed annuities. It also includes the sale and servicing of the following financial products: mutual funds registered with the Securities and Exchange Commission and variable life and variable annuity products, but only if such financial products are sold or serviced by an insured who is properly licensed and registered with the Financial Industry Regulatory Authority as a registered representative, registered investment advisor, or investment advisor representative as these terms are defined in the policy. Also covered are notary public services, expert witness and financial planning related to covered professional services. Easy Online Account Management Once insured you can access the “My Account” self-service feature to manage your account online. It’s easy to: Change passwords View payment history Review coverage history Print proof of coverage Review frequently asked questions (FAQs) And more Value-added Risk Management Services As an insured, you’ll have access to a variety of risk management tools and specialized resources including: Help line services, webcasts and consultations with a qualified attorney on a potential claim or circumstance that could lead to a claim. Aon Affinity is the brand name for the brokerage and program administration operations of Affinity Insurance Services, Inc.; (TX 13695); (AR 100106022); in CA & MN, AIS Affinity Insurance Agency, Inc. (CA 0795465); in OK, AIS Affinity Insurance Services Inc.; in CA, Aon Affinity Insurance Services, Inc., (CA 0G94493), Aon Direct Insurance Administrators and Berkely Insurance Agency and in NY, AIS Affinity Insurance Agency. AIG is the marketing name for the worldwide property-casualty, life and retirement, and general insurance operations of American International Group, Inc. For additional information, please visit our website at www.aig.com. All products and services are written or provided by subsidiaries or affiliates of American International Group, Inc. Products or services may not be available in all countries, and coverage is subject to actual policy language. Non-insurance products and services may be provided by independent third parties. Certain property-casualty coverages may be provided by a surplus lines insurer. Surplus lines insurers do not generally participate in state guaranty funds, and insureds are therefore not protected by such funds. All descriptions, summaries or highlights of coverage are for general informational purposes only and do not amend, alter or modify the actual terms or conditions of any insurance policy. Coverage is governed only by the terms and conditions of the relevant policy. ...