logo logo

  • Errors and Omissions Insurance for Insurance Agents

    E&O liability insurance is a necessity for every insurance agency. 

You provide protection for your clients; who is protecting you?

E&O liability insurance is a necessity for every insurance agency. CITA Insurance Services offers an exclusive E&O program for insurance agents and agencies. Let CITA Insurance Services help protect your business and reduce out-of-pocket expenses. Some of our E&O program advantages include:

E&O Program Highlights*

  • Exclusive Program
  • A+ XV A.M. Best-Rated Carrier
  • Admitted Coverage
  • Easy, Online Application
  • Streamlined Renewals
  • In-House Underwriting
  • In-House Claims Management

E&O Coverage Highlights*

  • First Dollar Defense
  • Defense Costs Outside the Limits of Liability
  • Low Capped Deductible (2X Aggregate)
  • Specified Provider Deductible Option
  • Up to 80/20 Consent to Settle Option
  • Personal Identity Event Cyber Coverage Option

This general product description is informational only and is not an offer or a quotation of coverage. Please refer to the policy for all terms, conditions and exclusions. All submissions are subject to underwriting. Coverage may not be available in all jurisdictions.


Risk Management Loss Prevention

Included in our Insurance Agent’s E&O program is loss prevention counseling. Our clients will have easy access to an experienced senior risk management attorney to confidentially discuss matters involving a potential claim, incident, or risk management inquiries. This feature is intended to help our clients prevent issues from arising or from turning into bigger problems and/or costly claims. Counseling available through this program is designed to address concerns such as the following: 

  • Issues raised by holding yourself out as a specialist
  • Handling of a potential claim
  • Failure to identify client exposure
  • Communicating a potential error to a client
  • Structuring your office’s policies, procedures and administration to prevent issues from arising

Loss Prevention Hotline

1-866-246-9815

NOTE: The loss prevention hotline is available only to policyholders through CITA’s Insurance Agent’s E&O program. Please have your policy and policy number readily available when contacting the hotline.


Complete an application for Errors and Omissions Insurance:

Apply Online Complete your application online for faster service!

Or download and complete an application here
Additional Links:


How do I select the best Errors and Omissions Insurance for Insurance Agents coverage for my business?

When it comes to Errors and Omissions Insurance Agents, not all policies are created equal. Similar premiums do not guarantee similar coverage. Additionally, policies may renew with important changes that affect your coverage. Consider using the tips below when purchasing or renewing your E&O coverage:

  • Review your current Errors & Omissions Insurance policy. If you have renewed coverage for several years without rereading your policy, your current business activities may not be covered. Changes in your business, such as providing additional services, may require additional coverage.
  • Look beyond the lowest premium quote. Identify whether the policy offers the benefits you need in addition to competitive rates.
  • Select a policy that will grow with your Life and Health Insurance business. Do you plan to offer additional services or expand your scope of business?

Ultimately, your Errors and Omissions Insurance for Insurance Agents policy should provide coverage that best matches the products and services you offer and the size of your book of business.

CITA’s Errors and Omissions Insurance for Insurance Agents coverage offers competitive features and the flexibility to customize coverage for your Life and Health business.

Debunking Common Myths about Errors and Omissions Insurance for Insurance Agents

1. I document all my business transactions so I’m protected should a claim arise.
Although you may utilize a traditional or online filing system, many agreements or promises made regarding the sale of an insurance product are completed verbally, by telephone or in person. Often times, these conversations, or portions of the conversation, remain undocumented. As a result, a large number of E&O claims become a “he said, she said” scenario that can result in losses for an agent. In this instance, E&O insurance would help agents pay for legal or settlement fees associated with a claim, lawsuit and/or litigation.

2. E&O insurance is not necessary because I never make mistakes.
Agents with a perfectly error free business history have experienced claims “out of the blue” from clients for a number of reasons. Regardless of the whether or not the agent is at fault, the agent must respond to the claim and spend time and money resolving the claim. E&O insurance reduces the time, effort, and cost of dealing with a claim, allowing the insurance agent to continue focusing on selling policies instead of responding to a claim.

3. I no longer sell insurance so I will never have a claim brought against me in the future.
It is possible for a client to bring a claim against an agent even after the agent has retired. Many scenarios occur in which a client finds a coverage error or omission after the agent who sold the policy has retired or moved on to a different career path. Because insurance agents are always susceptible to claims, even after retirement, continuous E&O insurance protection is necessary to help reduce loss and mitigate costs associated with an E&O claim.