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Fox Point Programs offers a focused Errors & Omissions program designed specifically for Abstractors, Examiners and Searchers. Rather than treating these professionals as full title agents with broader liability exposures, Fox Point underwrites this class with targeted coverages and competitive pricing through its in-house underwriting team and placement with an A (Excellent) rated carrier. The program is administered by Fox Point Programs as a Managing General Agency and is intended for agents seeking a specialist market for abstracting and title search operations. Overview of the Program This Abstractor E&O program is designed to address the professional liability exposures unique to abstractors, examiners and searchers — including mistakes in title searches, boundary errors, and documentation oversights that can lead to financial loss. Coverage features are crafted to reflect the narrower duties and lower general-liability risk profile of these professionals compared with full title agents, which typically results in more competitive premiums and fewer unnecessary exclusions. Ideal Accounts and Appetite Independent abstractors and search firms performing title searches, chain-of-title work, and related documentation services. Small to mid-sized exam offices with no escrow or underwriting of title policies. Providers offering ancillary services such as notary acts, substitute trustee services, or foreclosure crier work (see coverage options below). Accounts with professional controls and QA procedures: written search protocols, peer review, and documented file retention practices. Coverage Highlights and Advantages Multiple Limits and Deductible options to fit varying exposures and budgets* Prior Acts coverage available with proof of prior coverage, reducing gaps for long-running practices Defense Outside the Limits available* Optional extensions for Foreclosure Crier services, Substitute Trustee services, and Notary services* Underwritten internally by Fox Point for faster decisions and consistent application of appetite Placement through an A (Excellent) rated carrier for financial stability Underwriting Notes and Minimum Premiums Fox Point evaluates accounts based on the scope of services, annual revenues, claims history, and controls in place (file review procedures, staffing, and quality assurance). Certain higher-exposure operations — such as firms that issue or underwrite title insurance, operate escrow, or accept large fiduciary duties — are typically outside this program’s appetite. Minimum premiums and specific terms vary by account and state; discuss the client’s operations with Fox Point underwriting for an accurate indication. Territories and Availability This program is available in most states. Fox Point currently markets this coverage in: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DC. Availability and admitted vs. non-admitted options may differ by state. How This Program Helps Your Clients Provides professional liability protection tailored to abstracting and search exposures, avoiding higher cost coverages designed for full title agents. Allows you to offer competitive terms and prior acts continuity to long-standing firms. Optional extensions let you package related low-exposure services under one policy for easier client servicing. Example Accounts You have a regional abstracting firm with five reviewers who perform residential and commercial title searches only — no escrow or title insurance issuance. This program can provide tailored E&O limits and prior acts coverage. A small legal-support company performs foreclosure crier notifications and limited trustee duties in addition to searches; the program can include those services as endorsed coverages where eligible.* Applications and Next Steps Complete the Title Abstractors application to submit risks for review. Underwriters can provide indications quickly when you include details on revenue, services performed, staff qualifications, and claims history. Title Abstractors Application *Certain restrictions may apply. Coverage, availability and terms vary by state and by carrier. Fox Point Programs acts as a Managing General Agency; placement and underwriting decisions are subject to carrier guidelines. Frequently Asked Questions What types of abstracting/search operations are a good fit for this Fox Point program?Firms that perform title searches, chain-of-title work, and related documentation tasks without issuing title insurance or operating escrow are the primary fit. Small to mid-sized exam offices with formal QA controls are ideal. Can prior acts coverage be included for long-running practices?Yes. Prior acts coverage is available when the applicant provides evidence of prior coverage, helping prevent gaps for firms with an established operating history. Are services like notary, substitute trustee or foreclosure crier automatically covered?Those services can often be added as endorsements where eligible, but availability depends on the exact nature of the services and state licensing—underwriting review is required. What information does Fox Point need to underwrite an abstractor account?Provide a completed application, description of services, annual revenues, staff roles/qualifications, sample search protocols or QA procedures, and claims history. The more detail on controls and workflows, the faster Fox Point can provide an indication. In which states is this program available?Fox Point markets this program in most states. See the program details above for the current list of states; admitted vs. non-admitted options vary by jurisdiction. Need help placing an account? Connect with a market specialist.

Professional Liability Insurance for Real Estate Professionals Fox Point Programs offers a specialized Real Estate Agent Professional Liability Insurance program to help agents and brokers place Errors & Omissions (E&O) coverage for a broad range of real estate professionals. This professional liability coverage helps protect insureds from allegations of negligence, errors, or omissions arising from their real estate services. The program responds to both damages and defense costs, including legal fees and court expenses. Ideal Accounts and Target Classes This program is designed for agents placing accounts for firms and individuals involved in residential and commercial real estate, leasing, property management, and related services. Target classes include: Residential real estate agents and brokers Commercial real estate agents and brokers Leasing agencies Property managers Real estate appraisers* (limited to 10% of total revenue) Real estate auctioneers Real estate consultants Property preservationists *If a client’s operations are 100% appraisal-related, contact Fox Point for their Appraiser-specific program. Whether your client is a solo residential broker or a mid-sized property management firm, this program offers broad eligibility and options that can be tailored to different operations. Coverage Highlights and Advantages Multiple limits and deductible choices to match client needs Defense costs paid outside the policy limits in applicable forms Customizable wording to address specific operations and exposures Access to underwriters experienced in real estate professional liability The program is supported by a variety of carriers and is available on an admitted basis in most states to facilitate placement and regulatory compliance where applicable. Underwriting Notes and Minimum Premiums Underwriting emphasizes the insured’s operations, revenue mix, loss history, and controls. The program accepts main-street to mid-sized accounts; appetite and specific eligibility will depend on class, gross revenue, claims history, and location. Appraiser revenue is capped at 10% unless submitted to the Appraiser-specific program. Download the Application: Real Estate Full Application Minimum premiums vary by class, size, and state. Submit a completed application so Fox Point’s underwriting team can provide specific minimums and pricing guidance. Territories and Availability The program is available in most U.S. states, including but not limited to CA, TX, FL, NY, IL, and NJ. Confirm admitted vs. non-admitted availability and any state-specific restrictions at submission. Why Work With Fox Point Programs? Fox Point Programs is a Managing General Agency with focused expertise in professional liability. Working with Fox Point gives you: Streamlined underwriting built for real estate operations Multiple carrier relationships to help place a variety of risks Responsive service and real-estate-focused underwriting guidance Flexibility for main-street agents up to mid-sized firms Frequently Asked Questions What types of accounts are a good fit for this program?Good fits include residential and commercial agents and brokers, leasing agencies, property managers, auctioneers, consultants, and other real estate professionals. Appraisal services are acceptable only up to 10% of total revenue under this program. Is this coverage admitted in all states?The program is offered on an admitted basis in most states. Confirm state availability and admitted status during submission. Can I submit an account with 100% appraisal revenue?No. This program limits appraisal-related revenue to 10%. For full-appraiser risks, submit to Fox Point’s Appraiser-specific program. What are the minimum premium requirements?Minimum premiums depend on class, size, and location. Provide a completed application so underwriting can determine the applicable minimums. How do I start the submission process?Begin by completing the Real Estate Full Application and submitting it to Fox Point for underwriting review. Underwriters will follow up with any additional requirements. Need help placing an account? Connect with a market specialist.

Fox Point Programs offers a specialized Consultants E&O Insurance program designed to protect business professionals from the growing risks inherent in today’s consulting environment. With access to multiple A.M. Best "A" rated carriers and a streamlined underwriting process, this program helps agents place coverage for a wide range of consulting professionals. Ideal Accounts and Appetite This program is built for entrepreneurs and consultants generating up to $1 million in annual revenues. It is ideal for management consultants, business advisors, strategic planners, marketing consultants, and similar service-based professionals. Independent contractors working under the direction of the insured are also eligible for coverage. You might have a client who provides project-based consulting to corporate clients or a small firm offering marketing advice to startups—these are great fits for the program. While the self-rating application simplifies many submissions, risks outside the standard parameters can still be considered with additional underwriting. Coverage Highlights and Advantages Broad definition of “Wrongful Act” includes personal and advertising injury—covering false arrest, slander, libel, defamation, and more. Independent contractors are covered when acting under the direction of the insured. Punitive damages are covered where insurable by law. Defense costs for licensing board proceedings are included as a policy enhancement. Optional General Liability coverage is available for an additional premium. Short-form, self-rating applications streamline the submission process for eligible classes. Underwriting Notes and Minimum Premiums Fox Point Programs offers both a self-rating application and a standard application, depending on revenue thresholds and other eligibility factors. The program accommodates risks generating up to $1 million in annual revenues through the self-rating route. Minimum premiums vary based on factors such as class of business, selected limits, and optional endorsements. Applications Available: Self-Rating Application Class List Entrepreneurs/Consultants Self-Rating Application Self-Rating Application – North Carolina General Liability Supplemental Application Standard Consultants Application Territories and Availability This program is available in most states, including but not limited to CA, FL, NY, TX, IL, and PA. For a full list, the program is offered in 50 states and Washington, DC, with admitted coverage status in most jurisdictions. Agents can comfortably place business across a wide geographic footprint. Why Work With Fox Point Programs? As a Managing General Agency with a strong focus on professional liability, Fox Point Programs gives agents access to top-rated markets and customized solutions. Their streamlined applications, responsive underwriting, and focus on E&O exposures make them a valuable partner for consultants and entrepreneurial clients. Whether you’re submitting a straightforward risk or a more complex operation, Fox Point provides the tools and expertise to help you succeed. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for business consultants, management advisors, marketing professionals, and other service-based consultants generating up to $1 million in annual revenue. Is General Liability coverage available?Yes, General Liability insurance can be added as an optional coverage for an additional premium. Can independent contractors be covered?Yes, independent contractors are covered as long as they are working under the direction of the insured. Which states is this program available in?The program is available in most states and Washington, DC—covering a broad national footprint. What kind of application is needed to submit a risk?Eligible accounts can use a simplified self-rating application. For more complex risks, a standard application may be required. Need help placing an account? Connect with a market specialist.

Overview of the Program from Fox Point Programs Fox Point Programs offers a dedicated Registered Investment Advisors (RIA) insurance program designed for independent agents and brokers placing professional liability and allied coverages for advisory firms. As a Managing General Agency, Fox Point works with various carriers to assemble admitted and non-admitted solutions across most available states. The program focuses on practical, packaged options—typically including professional liability (E&O) and commonly requested add-ons such as cyber liability, crime/fidelity, and regulatory defense—so you can deliver a full risk-transfer solution to your RIA clients. Ideal Accounts and Appetite Independent RIAs and fee-based advisory firms (solo advisors through multi-advisor shops) Wealth managers, hybrid advisors, family-office style practices and sub-advisory arrangements Firms with standard advisory activities: financial planning, portfolio management, investment recommendations, and model management Clients with stable compliance histories and established procedures for custody, billing, and cybersecurity Generally not a fit: firms with unresolved regulatory disciplinary actions, multiple recent or large professional liability claims, crypto-native trading platforms, proprietary hedge funds, or activity outside typical RIA services (private placement platforms, issuer-side capital raising) without prior approval. Coverage Highlights and Advantages Professional liability (Errors & Omissions) tailored to advisor exposures Cyber/privacy liability offerings to address data breach and technology risk Crime/fidelity solutions for employee theft, forgery, and client funds exposure Regulatory defense and fines coverage options where available Package flexibility through access to multiple markets—helpful for unusual risk profiles or layered placements Because Fox Point places with various carriers, you can often combine admitted and non-admitted options to meet client needs and regulatory constraints across states. Underwriting Notes and Minimum Premiums Underwriting is focused on the firm’s advisory activities, compliance program, custody arrangements, fee billing, and information security controls. Typical submission requirements include a current advisory Form ADV (Parts 1 and 2), a completed application, recent loss runs (if any), and an overview of cybersecurity controls and business continuity plans. Minimum premiums vary by carrier and coverage selection. Fox Point can quote admitted or non-admitted placements depending on the state and the client’s profile. Discuss minimum premium expectations with Fox Point at submission—pricing is influenced by claims history, operations, and requested limits. Territories and Availability The program is available in most states (AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DC). Availability and admitted status vary by state and carrier—Fox Point can advise on admitted options where required. Why Work With Fox Point Programs on RIA Business Specialized MGA with focused underwriting for the RIA niche and relationships with multiple carriers Ability to access both admitted and non-admitted markets to find placement solutions for diverse client profiles Responsive quoting and underwriting support to help you close accounts efficiently Packaging expertise that helps combine E&O, cyber, and crime coverages so clients receive a cohesive program Example Client Scenarios You have a solo financial planner transitioning to independent RIA status who needs E&O plus cyber coverage to satisfy a custodian requirement. Fox Point can help bundle policies and approach markets that write smaller advisory firms. You represent a small multi-advisor RIA worried about employee theft and regulatory inquiry exposure. Consider a package with crime/fidelity and regulatory defense options to manage those concerns. Frequently Asked Questions What types of RIA accounts are the best fit for this program?The best fits are independent RIAs and wealth management firms offering financial planning and discretionary/non-discretionary portfolio management, with stable compliance histories and standard custody arrangements. Solo advisors through mid-sized multi-advisor firms are typical targets. Which coverages can I combine through Fox Point Programs?Fox Point commonly packages professional liability (E&O) with cyber liability, crime/fidelity, and regulatory defense options. Available combinations depend on carrier appetite and the client’s profile. What information should I include in a submission?Include the firm’s current Form ADV (Parts 1 and 2), a completed application, recent loss runs, a summary of cybersecurity controls, and sample advisory agreements or custody arrangements. These items accelerate underwriting and improve quote accuracy. Is this program available nationwide?The program is available in most states (including DC). Availability and whether coverage is admitted or non-admitted depend on the carrier and state—Fox Point will advise on the best market for each jurisdiction. Need help placing an account? Connect with a market specialist.

Foreclosure Trustee Professional Liability Insurance from Fox Point Programs Fox Point Programs offers a specialized Foreclosure Trustee Professional Liability Insurance program tailored to protect professionals involved in the foreclosure process. Also known as Errors & Omissions (E&O) coverage, this policy provides essential financial protection from claims related to the performance of professional duties, including legal expenses and potential settlements—even when allegations are groundless. Target Accounts and Ideal Clients This program is designed for professionals and entities that provide services in the foreclosure process, including: Trustees and Substitute Trustees Real Estate Auctioneers Foreclosure Criers and Foreclosure Sale Coordinators If you have a client who regularly manages foreclosure sales or acts as a trustee in real estate transactions, this coverage is an excellent fit. The program is especially valuable for those operating in high-volume or high-liability foreclosure environments, where even minor errors could result in expensive litigation. Coverage Highlights and Advantages Fox Point Programs delivers one of the most comprehensive and competitively priced E&O solutions in the market for foreclosure-related professionals. Key features include: Multiple limit and deductible options* – Choose the level of protection that fits your client’s risk profile. Defense costs outside the limits* – Helps preserve policy limits for potential settlements. Prior acts coverage – Ideal for clients with an existing claims-free history. Optional General Liability coverage – Expand protection beyond professional exposures. *Some restrictions may apply All coverage is written through an A (Excellent) rated carrier, ensuring financial stability and reliability. Underwriting and Premiums With in-house underwriting expertise, Fox Point Programs can provide fast, knowledgeable service for agents and brokers. Minimum premiums vary based on risk factors and selected limits, and the program is designed to be accessible for both small and mid-sized operations. Available States and Admitted Status This program is available in most states across the U.S., including high-population and high-foreclosure-volume states like CA, FL, TX, and NY. Coverage is written on an admitted basis in many states, offering additional peace of mind to both insureds and agents. Why Place Business With Fox Point Programs? As a Managing General Agency (MGA) with a strong focus on niche professional liability programs, Fox Point Programs offers agents and brokers a reliable market for difficult-to-place E&O risks. Our deep understanding of the foreclosure process and service-oriented approach help ensure your clients receive the protection they need, backed by responsive underwriting and claims support. Ready to submit? Download the full application here: Trustee Full Application Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for trustees, substitute trustees, real estate auctioneers, and foreclosure criers involved in real estate foreclosure services. Is prior experience required for eligibility?Yes, applicants should have relevant experience in foreclosure-related services. Prior acts coverage is available for qualified risks. Can this policy be bundled with General Liability coverage?Yes, optional General Liability coverage is available for added protection, depending on underwriting approval. Which states is this program available in?The program is available in most U.S. states, including CA, TX, FL, NY, and many others. Contact underwriting for specific state eligibility. Who underwrites the policy?Coverage is underwritten through an A (Excellent) rated carrier, ensuring strong financial backing. Need help placing an account? Connect with a market specialist.

Home Inspectors E&O Insurance from Fox Point Programs Fox Point Programs offers specialized Errors and Omissions (E&O) Insurance tailored for Home Inspectors. Also known as Professional Liability Insurance, this coverage helps protect inspectors and their employees from claims of negligence, errors, or omissions that may arise during the course of their work. As a Managing General Agency with access to a range of carriers, Fox Point can also provide optional General Liability (GL) coverage to further safeguard your clients’ operations. Ideal Accounts and Target Classes This program is designed for licensed Home Inspectors who conduct residential and commercial property inspections. It also has limited availability for compliance and code inspectors. Whether your client is a sole proprietor or operates a multi-inspector firm, Fox Point offers flexible solutions to meet their risk management needs. Examples of suitable risks include: A residential home inspector operating in multiple counties with part-time administrative staff. A commercial property inspector looking for E&O limits up to $1M/$1M and optional radon/termite coverage. Coverage Highlights and Advantages Professional Liability (E&O) Coverage: Available nationwide for eligible classes* Policy limits up to $1M/$1M* Deductibles starting at $1,000* Includes up to 2 hours of Risk Management consultation at no cost Referring Party Coverage included at no cost Optional Radon and Termite inspection coverage Extended Reporting Period (ERP) options for 1, 2, or 3 years Automatic 30-day post-reporting period Self-rating applications available for qualifying applicants General Liability (GL) Coverage: GL limits up to $1M/$1M* First Dollar Coverage – no deductible applies for GL policies Premiums starting at $79 *Some restrictions may apply Underwriting and Applications Fox Point offers a streamlined underwriting process, including self-rating applications for qualified accounts. Agents can choose between the full application or the simplified self-rating form, depending on the risk profile. Download Applications: Home Inspectors Full Application Home Inspectors Self-Rating Application Territories and Admitted Status This program is available in most U.S. states, including but not limited to CA, FL, TX, NY, and IL. Coverage is offered in both urban and rural areas, with admitted status in most states. Check current state availability and any restrictions when submitting risks. Why Work With Fox Point Programs Fox Point Programs specializes in professional liability solutions and brings deep expertise in niche markets like home inspection. Their flexible underwriting, access to multiple carriers, and value-added services like complimentary risk management consultations make them a trusted partner for agents nationwide. Frequently Asked Questions What types of accounts are a good fit for this program?Licensed home inspectors performing residential or commercial inspections are ideal. Limited availability exists for code or compliance inspectors. Is General Liability coverage required or optional?General Liability is optional but recommended to protect your client’s operations beyond professional services. It is available with no deductible and premiums starting at $79. Can I submit risks from any state?The program is available in most U.S. states. Some restrictions may apply, so check availability before submitting. Are there minimum premiums for this program?Minimum premiums vary by risk and coverage selected. GL premiums start as low as $79. What support is available for agents during the application process?Fox Point offers both full and self-rating applications and provides complimentary risk management consultation for qualifying insureds. Need help placing an account? Connect with a market specialist.