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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.

U.S. Risk Insurance Group, Inc. – Home Inspectors E&O Insurance Program Overview of the Program From U.S. Risk U.S. Risk Insurance Group, Inc. offers a comprehensive Errors and Omissions (E&O) insurance program tailored specifically for home inspectors. This solution is designed to help insurance agents and brokers place coverage for clients involved in a wide range of residential and commercial property inspections. With flexible underwriting, broad coverage options, and availability in all 50 states, this program is ideal for both independent inspectors and larger inspection firms. Ideal Accounts and Appetite This program is ideal for licensed and experienced home inspectors who perform various types of inspections, including: Residential and commercial property inspections Code compliance inspections Insurance and loss control surveys Pool and spa inspections Septic tank inspections Wood-destroying insect/organism inspections Radon and lead detection and reporting You may have a client who recently launched an inspection business or a seasoned professional expanding into specialized inspection services. This program can accommodate both scenarios, including prior acts coverage when needed. Coverage Highlights and Advantages Key features of this E&O program include: Defense outside the limit option available Limits ranging from $100,000 to $5,000,000 Minimum premium starting at $1,250 Minimum deductible of $1,000 Free certificates of insurance Prior acts coverage available General liability coverage available as an add-on Coverage for contingent bodily injury and property damage Referring agencies can be added as additional insureds Flexible binding options — can bind using other carrier applications This program goes beyond basic E&O protection by also including coverage for high-risk exposures like radon and lead detection, as well as wood-destroying insect inspections — areas where many standard policies exclude or limit coverage. Underwriting Notes and Minimum Premiums The program is underwritten with a minimum premium of $1,250 and a minimum deductible of $1,000. U.S. Risk offers flexibility in using other carrier applications, expediting the process for agents with clients ready to bind coverage. Defense outside the limits is also available, adding further value to this offering for more complex or high-risk inspection businesses. Territories and Availability This program is available in all 50 states, including the District of Columbia. Whether your client is a solo inspector in a rural area or a multi-state operation, U.S. Risk can provide scalable solutions that comply with local standards and industry best practices. Most available markets are admitted, depending on the specific state and risk profile. Why Work With U.S. Risk on This Business U.S. Risk Insurance Group, Inc. brings deep expertise in niche professional liability programs and works with a variety of carriers to offer flexible, competitive solutions. Their home inspector E&O program is backed by responsive service, quick turnaround, and the ability to accommodate a broad range of inspection specialties. As a trusted partner to independent agents across the country, U.S. Risk makes it easier to place and service this specialized line of business with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for licensed home inspectors performing residential or commercial inspections, including specialized services like radon detection, septic inspections, and insect evaluations. Is prior acts coverage available?Yes, prior acts coverage is available for qualified risks, helping protect inspectors with existing exposure from previous work. Can I use another carrier’s application to submit business?Yes, U.S. Risk can bind and issue policies using applications from other carriers, making the submission process more convenient for agents. Is general liability available with this E&O coverage?Yes, general liability coverage can be added to the E&O policy, providing broader protection for your client’s business operations. What is the minimum premium for this program?The minimum premium starts at $1,250, with deductibles beginning at $1,000. Premiums may vary based on limits and risk profile. 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, PA, RI, SC, SD, TN, TX, UT, VT, VA, 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.

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