Errors & omissions quotes for independent agents, brokers, and agencies in California — compared across multiple A-rated carriers by an independent broker.
CA License #0G81238 · 25+ Years Experience · No Obligation
Insurance agents face professional liability claims even when they do everything right. A client alleges a policy was never placed, that coverage was misrepresented, that a renewal lapsed unnoticed, or that the policy sold didn't match what was promised. Defending even a baseless allegation can cost thousands of dollars in legal fees — and a judgment can cost far more.
California Department of Insurance regulations and carrier appointments create professional duties at every step of the sale. Errors in applications, binding, or documentation can trigger claims from clients and carriers alike — and general business policies typically exclude these professional exposures.
Many carrier appointments and master agreements expect agents to carry E&O as a condition of doing business. A single uncovered claim can threaten both your personal assets and the agency's entire book of business.
All License Types
Life, health, property & casualty, and multi-line agents — coverage matched to the lines you sell
Individual & Agency Policies
Coverage for solo producers through multi-producer agencies, with group options available
Carrier Appointment Requirements
Coverage designed to meet common carrier appointment and network expectations
Claims & Defense Costs
Defense outside or within limit options explained side by side, so you know what you're buying
Premiums for insurance agents E&O typically run roughly $500 to a few thousand dollars per year. The exact number depends on the lines of business you sell (P&C vs. life/health), your agency's headcount and revenue, the limits you choose — $1M per claim / $1M aggregate is a common starting point — and your claims history.
Never take a price on faith. The only way to know your actual number is to compare real quotes — which is exactly what we do, at no cost and no obligation.
One short form. Multiple A-rated carriers. A licensed broker reviewing your limits and terms before you buy.
Is E&O required for insurance agents in California?
Not by the California Department of Insurance itself. However, E&O coverage is commonly required by carrier appointments, agency agreements, and brokerage networks — so most active independent agents carry it as a practical condition of doing business.
Do independent agents need different coverage than captive agents?
Often, yes. Captive agents are sometimes covered under their carrier's own program or master policy. Independent agents almost always need their own E&O policy, since they represent multiple carriers and no single carrier's program covers their full book.
How much coverage do I need?
It depends on your book. $1M per claim / $1M aggregate is a common starting point, with higher limits often appropriate for larger agencies or life-heavy books where transaction values and potential damages are higher. We help you compare limit options side by side.
Does PRIA cover agencies with multiple producers?
Yes. We quote both individual policies and group/agency policies covering multiple producers — life, health, P&C, and multi-line. One form gets you multiple quotes from A-rated carriers.