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.


Policy Highlights

  • Special E&O program for agents licensed less than 3 years
  • Insolvency of carrier coverage on carriers rated “A–” or higher by A.M. Best Company
  • 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
    • Our program excludes Variable Annuities, 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
    • This enhancement is not available in AL, AK, AZ, CA, FL, HI, KY, LA, MA, MS, NV, NJ, NY, TX, WA, or WV
    • Other restrictions may be applicable to apply

Cyber Liability Now Available!

Rockwood Programs has recently begun including Cyber Liability to its portfolio of management and professional liability products. We are sensitive to the ever-changing needs of the marketplace. The increasing need to protect your business against cyber liability and data breach exposures. We partnered with Certain Underwriters at Lloyds, London to craft a solution that offers real insurance protection without requiring a lengthy and intrusive application process!

  • Available as an underlying Rockwood account endorsement with a separate sub limit
  • Low minimum premium
  • Limits up to $100,000 are available


Nationwide except KY


Underwriting Staff

Lann – Underwriter