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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.

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 for title agents and escrow agents is getting harder to place. Capitol Special Risks leverages deep carrier relationships and underwriting expertise to help you secure the right professional liability coverage for clients in this specialized niche. Overview of the Program from Capitol Special Risks If you place business for title or escrow professionals, you know the exposures: complex real estate transactions, strict regulatory oversight, and significant settlement risk. Capitol Special Risks offers a targeted Title Agents & Escrow Agents Insurance program that pairs access to multiple markets with focused underwriting to place hard-to-find coverages quickly and competitively. Ideal Accounts and Appetite This program is designed for: Title insurance agencies and individual title agents Independent escrow and closing companies Closing and settlement service providers Firms that rely on independent contractors or have remote staff Good-fit accounts typically have a clean claims history, defined escrow controls, and documented procedures for closing files and handling trust funds. We will consider both small residential shops and larger agencies that handle commercial transactions, though appetite varies by carrier. Examples you may encounter: A small regional title agency performing residential closings with independent closing agents — needs E&O with automatic coverage for contractors and First Dollar Defense. An independent escrow company handling mixed residential and commercial settlements seeking extended reporting period options and punitive/exemplary damages coverage where allowed. Coverage Highlights and Advantages Key features of the Title Agents & Escrow Agents Insurance Program: Claims-made and reported policy form Automatic 60-day Extended Reporting Period Optional Extended Reporting Period available up to 6 years First Dollar Defense option (deductible applies only to loss) Punitive and Exemplary Damages coverage where permitted by law Loss of Earnings coverage up to $5,000 per policy period Automatic coverage for independent contractors Underwriting Notes and Minimum Premiums Underwriting focuses on operations, escrow controls, trust accounting practices, and any prior claim history. Minimum premiums and deductibles for Title Agents E&O typically start at $2,500, but final pricing depends on exposure, territory, and coverages selected. First Dollar Defense is available through many carriers in the program. Territories and Availability This program is available in most 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..., UT, VT, VA, WA, WV, WI, and WY. Policies are generally written on a non-admitted basis, depending on the state. Why Work with Capitol Special Risks Capitol Special Risks is a wholesale broker that specializes in professional liability and niche E&O solutions. We combine strong carrier relationships with underwriters who understand title and escrow workflows. That means faster quotes, pragmatic underwriting, and placement options you may not find on the standard admitted markets. We also do not charge broker fees, so your client sees the full value of competitive placement. Fast turnaround and we never charge a broker fee! In CA, Capitol Special Risks, Inc. dba: Capitol Special Risks Insurance Service - CA Fire & Casualty Agency - #0C46094 Frequently Asked Questions What types of accounts are a good fit for this program?This program is designed for title insurance agencies, escrow firms, and closing service providers, including those that use independent contractors. Is First Dollar Defense included in the policy?Yes, First Dollar Defense is available, which means the deductible applies only to loss and defense costs are paid by the insurer subject to the policy terms. What is the minimum premium for Title Agent E&O coverage?Minimum premiums and deductibles for eligible accounts typically start at $2,500, though final terms depend on underwriting and the specific carrier selected. Can coverage be extended for prior acts or claims reporting?Yes. Policies include a 60-day automatic Extended Reporting Period with optional extensions available up to six years. In which states is this program available?The program is available in most U.S. states, including CA, TX, FL, NY, and many others; coverage may be placed on a non-admitted basis in some jurisdictions. 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.

Overview — SLB Insurance Group: Insurance Agents E&O SLB Insurance Group offers a focused Insurance Agents Errors & Omissions (E&O) program designed for independent agents and brokers seeking reliable professional liability solutions. Our program pairs streamlined underwriting with flexible placement options to help you protect client agencies from negligent acts, errors, omissions, and other professional exposures that arise in the normal course of agency operations. Ideal Accounts and Appetite This program is built for a wide range of retail agencies and brokers, including but not limited to: Independent property & casualty agencies Life and health agencies and producers Specialty and niche agencies (including those with unique product mixes) New ventures and start-up agencies seeking primary E&O coverage Agencies with prior or adverse claim history (evaluated on a case-by-case basis) SLB will consider tougher-to-place accounts that some standard markets decline. While the program is broad, accounts with pervasive systemic underwriting failures, regulatory actions that are unresolved, or intentional misconduct will likely be declined. Coverage Highlights and Advantages Competitive pricing and market access through multiple admitted and non-admitted options. Simple submission process — an eight-question application designed to speed underwriting. Fast service — standard 24-hour quote turnaround for most submissions. Capacity for higher-risk or specialty placements through our Excess & Surplus relationships. Low friction quoting for typical retail agencies with a $1,200 minimum premium. Underwriting Notes and Minimum Premiums Underwriting focuses on agency controls, product lines placed, staff licensing, and claim/disciplinary history. Have available basic information about prior claims, agency revenues, and the types of products placed — that will help secure a timely quote. The program carries a $1,200 minimum premium; individual premiums and terms depend on limit, deductible, and exposure. Territories and Availability SLB’s Insurance Agents E&O is available in most U.S. states and territories, 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... VT, VA, WA, DC, WV, WI, WY. Both admitted and non-admitted markets are used depending on appetite and client needs. Why Place This Business With SLB Insurance Group As a Managing General Agency and E&S broker, SLB combines market access with responsive underwriting and a simplified submission experience. You’ll get fast turnaround, the flexibility to handle specialty or adverse accounts, and direct support from experienced underwriting staff. SLB works with various carriers to find the right fit for your client’s risk profile. For more information on the Insurance Agents E&O program or to submit a risk, contact Daniel Ginden toll free at 1-877-924-6348 or email dginde[email protected]om Frequently Asked Questions What types of agency accounts are best suited for this program?The program fits a wide range of retail agencies — P&C, life & health, and specialty agencies. It is especially useful for agencies that need quick quotes, those with specialty product lines, new ventures, or accounts with prior claims that are otherwise hard to place. How quickly can I expect a quote after submission?SLB standard turnaround is 24 hours for most submissions. Complex or higher-exposure accounts may require additional underwriting time, but the eight-question application is designed to speed initial evaluation. Are admitted markets available or is this strictly E&S placement?SLB uses both admitted and non-admitted (E&S) markets. Placement depends on the account’s characteristics and the best available market for pricing and terms. What documentation should I include with a submission?Include the completed eight-question application, agency revenue or premium breakdown, details of any prior E&O claims or disciplinary actions, and a list of products placed. Providing clear information up front helps achieve a faster and more accurate quote. Is there a minimum premium or size threshold?Yes — the program carries a $1,200 minimum premium. Final pricing and eligibility depend on limits, deductibles, and the agency’s exposure profile. 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 mark.lann@rockwoodinsurance.com 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. ...