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E & O Insurance

Protecting the future of your agency is a major priority. We provide our members with the security of knowing they are getting the best overall E & O value in the marketplace—not just a policy, but a comprehensive program.


We are familiar with coverage, legal issues and claim problems associated with this coverage.  Our primary responsibility is to fulfill our members’ needs by delivering excellent service, outstanding guidance, and innovative insurance solutions.

Join your fellow agents and brokers who recognize the value of the Big I Professional Liability Program as the most trusted insurance agents E&O program in the nation.  

The quickest way to get a quote for your agency is to complete this much shortened online application. We can also give you a quote off your renewal application in most cases (email it to Kimberly Ostling), The commission we earn helps fund IIABW’s lobbying efforts in Olympia and other services we provide.

E&O Risk Management

IIABW is committed to helping you reduce the chances of your agency getting an E & O loss with the help of these tools:

  • Loss Control Seminar: IIABW members may qualify for a 10 -15% premium reduction if their staff attend our E&O webinar. For more information on IIABW’s loss control seminars,   For information on E&O program Loss Control Credit requirements, click RM Swiss Re Criteria .pdf
  • Procedures Review: Improve your agency operations and receive a 10% credit for 5 years by doing an E & O agency review. An agency review can reduce your E & O exposure, improve customer service and sales opportunities and increasse agency efficiency.
  • Risk Management  site: Big I members who’s E & O is written by Swiss Re have unlimited access to the risk management web site, E & O Gaurdian.  Get access to E&O claims frequency data, case studies and analysis, sample client letters, sample agency procedures, agency E&O self assessments, podcasts on important E&O topics, etc.

  • Virtual Risk Consultant: Customer service tool to help agencies better assess risk for 650 classes of business and personal lines. 

For more information, contact Kimberly Ostling at the IIABW office (425-649-0102 ext. 225).

For 40 years, the Big I Professional Liability Program underwritten by Westport Insurance Corporation, a member of Swiss Re Corporate Solutions (rated A+ Superior by A.M. Best), has been the premiere choice of IIABA member agents for insurance agents and brokers E&O insurance. Compare the SwissRe Westport policy with your current policy by using this checklist: EOCoverageChecklist.pdf

Here are just a few of the coverage benefits of the Swiss Re policy:

  • Coverage for the sale of both Property/Casualty and Life and Health insurance products
  • Limits of liability up to $20 million
  • Broad definition of covered professional services and activities
  • Comprehensive definition of who is an insured
  • Aggregate deductibles
  • Defense cost outside the limits
  • Available first dollar defense
  • Full prior acts available
  • No contractual liability exclusion
  • Coverage for punitive damages (where available by state)
  • Multiple extended reporting period options
  • True worldwide protection
  • Coverage for advertising, libel and slander
  • Catastrophe Expense $25,000 per policy period
  • Subpoena Coverage $10,000 per policy period
  • 1st Party Personal Data Breach (cyber) $25,000 per policy period
  • 3rd Party Personal Data Breach (cyber) $1,000,000 sublimit
  • Deductible reduction up to $12,500 per claim for risk management activities

Here are some useful documents:

New Business Application

Cluster Supplement

Additional Entity Supplement

Employment Practices

Life & Health Supplement

Mutual Funds/Investment Supplement

Loss Control Credit 

Name Change

Merger/Acquisition Supplement

Volume Change

With over 25 years experience, Fireman’s Fund is a dedicated, knowledgeable insurer of insurance agents’ needs – yesterday, today and tomorrow. Here are some coverage highlights:

  • Rated A Excellent by A. M. Best and written on admitted paper
  • Dedicated claims staff focuses exclusively on insurance E&O claims
  • Long-standing market player in Agents E&O 
  • Coverage for the sale of both Property/Casualty and Life & Health agents
  • Choice of three endorsements for sale of financial services products
  • Broad definition of covered professional services and activities  
  • Available first dollar defense  
  • Policy limits available up to $10,000,000
  • Aggregate deductible applies
  • Expert witness testimony covered
  • Protection for when you train, manage or supervise a client in the selling of insurance products
  • Market-quality insolvency coverage
  • Broad definition of  “who is an insured”
  • Retroactive coverage and multiple extended reporting periods offered
  • Three-tiered employment practices liability offered by endorsement
  • $10,000/$30,000 catastrophe claims extra expense included with no additional premium
  • $35,000 regulatory investigation defense expense coverage per policy
  • Up to 60 days after end of policy period to report claims and purchase extended reporting provision
  • Immediate predecessor firm coverage
  • Supplementary payments of $500 per day for expenses incurred in aiding in the defense of a claim
  • The Fireman’s Fund policy offers broad coverage tailored to insurance agencies.


Fireman’s Fund Application

Additional Entity Supplement

Claim Supplement

Employment Practices Supplement

Warranty Letter

Loss Control Guidelines to Qualify for Premium Credit

Sample Policy Form

Claim Reporting Instructions

In circumstances when an account does not fall within the underwriting guidelines of our standard markets – Swiss Re/Westport or Fireman’s Fund – we have access to Excess & Surplus Lines markets. 

A commercial umbrella underwritten by Swiss Re (rated A by A.M. Best) is available exclusively to Big “I” members.

  • Designed in collaboration with the IIABA to meet the needs of independent insurance agents
  • Broad coverage over primary casualty lines, including E&O
  • Limits available up to $10 million over underlying primary E&O policy
  • Made to be written over a variety of E&O carriers
Here is a copy of the Umbrella Application