Coverage Highlights:
- Preferred Risk Rates
- Bind Instantly
- Immediate Proof of Insurance
(See Policy Summary for More Details)
- Advocacy Legal Defense
- Extended Tail Coverage
- A Rated (Excellent) Carrier




Customize Your Coverage to Fit Your Business Needs
Please be advised that the premium/cost charged shall be deemed fully earned. Cancellations with requests for return premium shall not be permissible, subject to laws and regulations. Fee disclosure: Prices include an annual fee of $115 to cover the cost of access to risk mitigation tools and for administrative fees that are not a part of the insurance transaction. Coverages are underwritten by Certain Underwriters at Lloyd’s, London. Certain coverage restrictions apply.
If you select the monthly option, a 25% down payment will be charged upon processing of this Application. Get Insured 24/7, LLC will then charge one-tenth of your outstanding balance on the first day of the month for each of the subsequent ten (10) months. Note there will be a $5.00 administration fee included in each of the ten (10) payment installments.
Overview:
Consult applicable insurance policy and endorsements for specific terms, conditions and limits. This Professional Liability Insurance Policy (commonly known as Errors and Omissions, or E&O, Insurance) provides protection for your liability for wrongful acts from the performance of professional services for a client. Professional services include:
- sale, attempted sale, or servicing of life, accident and health insurance and managed care organization contracts
- indexed and fixed annuities (if purchased)
- variable annuities and mutual funds by a registered representative (if purchased)
- disability income insurance (if purchased)
- incidental property & casualty insurance (if purchased)
- services as Notary Public
- financial planning activities in connection with these described services
Limits of Liability:
$1,000,000 each claim
$3,000,000 in the aggregate
Deductibles:
$500 Each Claim for Life, Accident, Health Insurance, LTC Products (that does not require a securities license)
$2,500 Each Claim for Indexed Annuities, Fixed Annuities (if purchased)
$2,500 Each Claim for Disability Income Insurance (if purchased)
$2,500 Each Claim for incidental Property & Casualty insurance placements (if purchased)
$5,000 Each Claim for Variable Annuities/Variable Insurance (that requires a securities license) and Mutual Funds (if purchased).
Eligibility for Coverage:
Insured must hold appropriate license(s) and favorably answer all qualifying questions on the application. Insured’s revenues from the sale and/or servicing of all life, health and financial products to be covered by this policy does not exceed $350,000 annually.
Additional Features:
- Non-cancelable, claims made and reported policy
- Retroactive coverage going back to first continuous professional liability policy
- Coverage extended to a business entity owned by the insured in connection with professional services provided by the insured
- Includes employees if acting on behalf of the insured
- Spouse or domestic partner, estates, heirs, or legal representative of the insured
- Ability to extend reporting period after termination of the policy
- Advocacy legal defense in the event of a loss, provided by an internationally recognized law firm