Life/Accident & Health Agent Errors & Omissions

This policy is written on a claims-made and reported basis and provides professional liability coverage for wrongful acts occurring after the retroactive date stated on the declarations page and reported during the policy period. The policy provides coverage for any actual or alleged act, error or omission committed solely in the performance of or failure to perform professional services or a claim for libel, slander or invasions of privacy. Professional services are those services performed for commissions and/or fees in your activities as a life, accident and health insurance agent.

Program Highlights

  • Limits of Liability from $250,000/$250,000 up to $1,000,000/$3,000,000 available
  • Deductibles starting as low as $2,500 up to $25,000
  • $100,000 General Liability Coverage provided at no additional cost to the policyholder
    • Not available in Illinois
  • Punitive damage protection where permitted by law
  • Extended Reporting Period
    • Available for one year
  • Critical Risk Management Tools offer an array of loss control aids are available for review on Rockwood’s website
    • These tools are only accessible to policy holders


  • Retail agencies
  • Independent Agents
  • $1,500,000 or less in annual commission income
    • Contact us to accommodate higher commission income
  • Limited claims history

Coverage Enhancements Available

  • Financial Products
    • Expands coverage to include placement of mutual funds and variable annuities
    • Our program excludes Bonds and Stocks but please contact underwriting staff for a referral to other markets available for those coverage needs.
    • Other restrictions may be applicable to apply
  • Incidental Property & Casualty Placements
    • Covers placement of certain types of Property & Casualty products
    • Other restrictions may be applicable to apply
  • Cyber Liability (certain restrictions may apply)


Nationwide except KY

Underwriting Staff

Springman- Underwriter
(302) 765-6041

Email/States Represented