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E&O Coverage For Your Agency
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PIA Members & Non-Members can take advantage of

E&O policy discounts  with 3 reliable carriers.

 

Utica Libery Mutual CITA

 

Who Needs Professional Liability Insurance (E&O)?

If you work directly with customers by providing services, consider a professional liability insurance policy. A customer or client can sue even if you’ve done nothing wrong. If a customer or client believes for example, they received inferior service, mistakes were made or they received bad advice from your company, they may make a claim or even sue your business.
 
Professional liability insurance helps cover common claims including negligence, misrepresentation, violation of good faith and fair dealing, and inaccurate advice. Depending on the terms, a professional liability insurance policy may also help cover privacy violations.

 


 

CARRIER COVERAGE

 

PIA Western Alliance sells Utica National

 

 

Easy Estimate Form

Click here

Available in all states

 

Q: How can I earn 10% off my agents' E&O premium?

A:  There are 3 ways you can save...

1.  Conduct an annual exposure analysis program reviewed by Utica (5% credit)

2.  Professional training & development of your staff

3.  Attendance at an approved E&O seminar (5% credit)

 

Utica E&O Insurance PIA Western Alliance

 

Q:  Is this program available in my state?

A: This program is available in Arizona, Idaho, Montana, Nevada, New Mexico, Oregon and Washington.

 

 

 

Q:  Why Utica?

A:  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.


 

Q:  What do the Utica policies include?

  • DIRECT access to the underwriter
  • Dedicated claims specialist
  • 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
  • 5% credit for Professional Training & Development. 60% or more agency staff achieve recognized designations including CPSR, CISR, ACSR, CPCU, CIC, and CPIA
  • 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

 

GET STARTED!

 Easy Estimate Form

Click here

 


  

Liberty Mutual E&O Insurance

 

Liberty Mutual logo

 

Easy Estimate Form

Click here

 Available in Idaho, Montana, Oregon and Washington

 

 Q:  What does Liberty Mutual policies include?

You’ll find broad definitions of the professional services covered by your policy as well as a supplemental payments section. Policy limits up to $10 million and deductibles as low as $2,500 provide affordable, comprehensive coverage, including:

  • Consent-to-settle
  • Contractual and vicarious liability
  • Data compromise (at no additional cost)
  • First dollar defense
  • Full prior acts
  • Innocent insured (for fraudulent or dishonest acts)
  • Insurance carrier insolvency
  • Insured vs. insured (for personal lines placements)
  • Personal and advertising injury for professional services
  • Punitive damages (where allowed by law)
  • Vicarious fiduciary liability

Also available:

  • Employment practices liability coverage, available by endorsement with separate limits and deductible
  • Professional services extra expense coverage

 

Download Liberty Mutual EO information

 

Q:  What do I need to be eligible for this coverage?

Property and casualty should represent (75%) percent of your business, and your annual premium volume should be $1 million at minimum. Businesses also should have a good loss history.

 

GET STARTED!

Easy Estimate Form

Click here

 

 


 

PIA Western Alliance sells CITA E&O policies

 

 cita lOGO

 

Easy Estimate Form

Click here

 Available in all states

 

Q:  What does CITA Insurance Services policies include?

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.

  • 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
  • Association membership is considered for discounted or preferred rates.

 

CITA E&O Insurance PIA Western Alliance

 

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. 

 

GET STARTED!

 

 Easy Estimate Form

  Click here

 


 

Call PIA Western Alliance at

1 888 246.4466

 to quote from several markets for hard-to-place or start-up programs.

 

Quick Links

Market Access    SAIF  |  Hartford Flood (20% commission)

 

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