Our E&O program provides superior customer service and expertise by IIABSC, and the program's national oversight committee is comprised of Big "I" members. Both of our primary carriers have more than 25 years' experience with insurance agents' professional liability in order to provide more than just a policy, a comprehensive risk-management program.

Swiss Re/ Westport 
Working with our partners at Swiss Re Corporate Solutions, we have created one of the strongest coverage forms in the marketplace.

• Rated A+ by A.M. Best
• State of the art coverage form exclusive to Big "I" Members
• Claims Made Coveage
• Coverage for the sale of both Property/Casualty and Life/Health insurance products
• Limits of liability up to $20 million
• Broad definition of covered professional services and activities
• Comprehensive definition of "who is an insured"
• Aggregate deductibles
• Defense cost outside the limit
• $25,000 1st Party Personal Data Breach (cyber)
• $1,000,000 3rd Party Personal Data Breach (cyber) sublimit
• Full prior acts available
• Deductible reduction up to $12,500 per claim for risk management, no limitation on the number of claims
• Catastrophe Expense $25,000 per policy period
• Regulatory defense $25,000 per policy period
• True worldwide protection
• 10% premium credit three years for attending an approved loss-control program
• 10% Premium Credit for five years for an having an approved in-house E&O audit

Why choose Swiss Re/ Westport?

• Exclusive loss prevention resources including
  Risk management website newsletter
• An exclusive policy form and premium credits filed on a Risk
• Purchasing Group basis give Big “I” members tailored coverage
• Dedicated claims staff focuses solely on defending insurance agents E&O claims, 70 percent of claims personnel are attorneys
• Rated “A+” (Excellent) by A.M. Best

Fireman's Fund
With more than 25 years of experience, Fireman’s Fund is another industry leader in providing E&O liability coverage for agents and brokers.

• Rated A by A.M. Best
• State-of-the-art coverage form, exclusive to Big "I" members
• Claims Made Coverage
• Coverage for sale of both Property/Casualty and Life/Health
• Limit of Liability up to $10,000,000
• Broad coverage tailored to insurance
  agencies.
• Broad definition of who is an insured, including spousal liability
• Aggregate deductibles
• Defense costs outside the limits
• $50,000 first party personal data compromise breach response for the accidental loss of client data, with optional higher limits available
• No 3rd Party personal data compromise
• Full prior acts available
• First claim deductible is waived if you have been insured and claims free with Fireman’s Fund for five or more years
• $10,000/$30,000 (per catastrophe/per policy period) catastrophe claims extra expense
• $35,000 regulatory investigation defense expense coverage per policy period
• True worldwide coverage
• 10% premium credit three years for attending an approved loss-control program
• E&O Audit credit is not available

Why choose Fireman's Fund?

• Competitive rating plan
• Access to the Fireman’s Fund Heritage Program in support of firefighters
• Rated “A” (Excellent) by A. M. Best
• Dedicated, 24-hour claims expertise with multi-line background
• Policies are direct bill