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E&O Coverage For Your Agency
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Kim Cottrell, E&O Agenct (888) 246-4466 x112. Fax or Email the "Easy Estimate", plus Dec Page to (888) 346-4466 or Email it here.



Utica Mutual Insurance Company

Utica Real Time, Quick Premium Indication: Obtain a Quick Premium Indication

 

Available only in Arizona, Idaho, Montana, Nevada, New Mexico, Oregon and Washington.

Utica is the only company that separates property and casualty E&O from life and health E&O. Both Utica Mutual and Utica Life & Health are specifically geared toward that type of agency. Utica has been providing agent E&O coverage for more than 40 years and has nearly $2-billion dollars in assets. They continue to be one of the standard bearers in the industry, offering a superior product at a competitive price.

 

Utica offers policies that include:

  • Full prior acts.
  • Defense costs in addition to limits of liability.
  • First-dollar defense coverage.
  • Optional loss and litigation deductible and an aggregate deductible that caps your annual deductible exposure.
  • Advertising and personal injury coverage.
  • 5% loss control credit. Attend a Utica approved 3 hour E&O course for credit.
  • Flexible payment plans and an A+ claims department.
  • Optional Coverage's include-Financial products coverage, real-estate coverage, mutual funds and variable annuities, and employment practices liability.
  • Optional extended reporting periods that reinstate the aggregate and offer options of as long as 10 years.

 

Utica - Life and Health E&O

Available only in Arizona, Idaho, Montana, Nevada, New Mexico, Oregon and Washington.

In addition to providing quality E&O insurance for P&C agents, Utica also sets the standards of E&O protection for life and health agents. Policy highlights include the following:

  • Full prior acts.
  • Defense costs in addition to limits of liability.
  • First-dollar defense coverage.
  • Optional extended reporting periods that reinstate the aggregate and offer options of as long as 10 years.


Liberty

 

Easy Estimate Form: Click Here

 

Available only in Idaho, Montana, Oregon and Washington..

Liberty has been providing E&O coverage to insurance professionals for more than 25 years. With more than $2 billion in assets, Liberty offers a flexible E&O plan to fit all of your needs. Liberty has one of the broadest policy forms available in today's market.




CITA Insurance Services

Easy Estimate Form: Click Here

 

Available in all states.

CITA Insurance Services professionals have been in business for over 30 years and specialize in smaller Independent P&C agencies with $5 million or less in annual revenue and 30 or fewer staff members. They offer many benefits, including:

  • Low Capped Deductible (2x Aggregate):
    Reduces exposures to aggregate claims in an E&O policy period

  • Specified Provider Deductible Option:
    Lower deductible option for E&O Claims arising from business through an agency’s top carrier

  • 80/20 Consent to Settle Option:
    Minimizes the risk of out of pocket expenses

  • Diminishing Deductible:
    Deductible reduction applies when you are claim free and renew your policy

  • Individual policy:
    Ensures that you don’t share your policy with anyone else!

  • Defense Costs Outside the Limits of Liability:
    Defense Costs will not reduce your policy limits of liability

  • First Dollar Defense:
    Your deductible does not apply to defense costs


  • Excellent Claims Adjudication

CITA’s Errors and Omissions Insurance for Insurance Agents is written on an admitted basis with an A+ XV rating by A.M. Best Company in all state




Specialty Markets

For hard to place or start-up programs the PIA can quote from several markets.

A special thank you to our KKlub Members for their support.