E & O Insurance

One of the absolute best benefits of PIAVA/DC membership is access to its E&O insurance program designed exclusively for independent agents.

Professional Liability (E&O) insurance provides insurance agents protection against claims that the agent becomes legally obligated to pay as a result of an error or omission in his/her professional work, as well as defense costs regardless of whether the agency is at fault. Also known as Errors and Omissions insurance, this coverage is critical to your agency business, and generally required by insurance companies before agency appointments can be secured. PIA Insurance Services, Inc. has top-rated companies, Utica National, Liberty Mutual, CITA Insurance Services, US Risk and several other carriers, which can customize an errors and omissions insurance policy for you that is affordable and effective.  Contact us at lisa@piavadc.com at PIA Insurance Services, Inc. for an application and information or call 804-264-2582 and ask about our E&O policies.

Be sure to scroll down this entire page to see information on all of these carriers.

Depending on the specific underwriting criteria, we can obtain a quote from any or all of these carriers.

Utica National Insurance Utica has been insuring agents for over 50 years and is one of the oldest carriers in the Commonwealth. Utica offers E&O programs for property/casualty agents and for life and health agents. Utica endorsements include Cyber, EPLI, PEO and first dollar defense. Utica also offers premium credits up to 10% based on the number of your staff attending approved E&O Loss Prevention CE training classes.

Click here for the "Compare the Utica program" checklist for Utica E&O coverage

* Utica Property & Casualty Insurance Agents & Brokers E&O Application 
* Utica Life & Health Insurance Agents & Brokers E&O Application
* Employment-Related Practices Liability Insurance Application
* Loss Control Credit Program
* Why Utica?

Liberty Mutual      Since 1912, Liberty Mutual has been committed to providing broad, useful and competitively-priced insurance products and services to meet customers' ever-changing needs.  Its E&O product is competitively priced and designed with the agent in mind.

Liberty Mutual Application

CITA Insurance Services     CITA offers an excellent E&O product written on Munich Re paper, which carries an AM Best rating of A with financial strenght of XV.  Deductible is capped at 2 times the per deductible expenditure and they offer the following options:

  • Up to 80/20 Consent to Settle
  • Vanishing Deductible (aka Step Deductible)
  • Separate Limits for Independent Contractors
  • Choice of Counsel (subject to carrier approval)
  • Personal Identity Event Cyber Coverage (up to $100,000 limits)
  • Specified Deductible for specified product/carrier
  • EPLI Coverage

U.S. Risk
     U.S. Risk is an excellent market for Insurance Agents E&O.  If you are having trouble placing coverage through admitted markets when your annual revenue exceeds $1,000,000 and your expiring E&O premium exceeds $10,000, U.S. Risk can help because they will write good agents that scare off standard markets.  U.S. Risk works with major domestic insurers, London markets and and high quality, specialty insurers.  They write primary and excess coverage through admitted and non-admitted markets.

U.S. Risk Application