E&O Insurance for SELECT

Errors and Omissions Insurance Program for SELECT PROPERTY & CASUALTY AGENTS

Apply for SELECT E&O Insurance Renew   Policy   State Endorsements   E&O Renewal Reminder

E&O Program Introduction

  • 360 Coverage Pros provides an Errors & Omissions insurance program exclusively for Agents appointed with SELECT. Since 1990, 360 Coverage Pros has assisted thousands of agents with their E&O needs.

About This Coverage

  • This Errors and Omissions insurance program is designed exclusively for Property & Casualty Agents. Coverage Options available for both Personal and Commercial lines through admitted and non-admitted carriers.
  • If you are applying as a sole producer but need to add your agency name to the certificate of coverage, please complete this form after you've applied.

Pricing Information

$1 Million per claim / $2 Million annual aggregate
Personal Lines Only: Personal lines coverage is limited to the sale and servicing of automobile, homeowners, watercraft, recreational vehicle, motorcycle, personal umbrella, pet, renters, travel residential flood and residential earthquake from admitted and non-admitted carriers. Other commercial and personal lines are excluded. Non-admitted insurance must be placed through a non-affiliated surplus lines broker. No more than 10% of the Applicant's gross revenue can be derived from non-admitted carriers. No more than 10% of the Applicant's gross revenue can be derived from the sale and servicing of residential flood and residential earthquake insurance. Sublimits, conditions, and exclusions apply. See policy for full details.
Effective Date Pay In Full or Down Payment w/ Monthly Payment
03/01/19 Apply today for $720.00 $152.12 $57.08
   View more limit, coverage and pricing options
  • ADDITIONAL OPTIONS AVAILABLE. Pricing shown is for property and casualty agents selling personal lines only and earning less than $250,000 in gross annual commissions & fees with a coverage limit of $1,000,000 per claim / $2,000,000 annual aggregate.
  • Down payments will be processed immediately; monthly deductions as shown above will begin the 3rd business day of the month after enrollment effective date.
  • At the time of enrollment, each agent will be required to make a non-refundable payment in the amount of the first month’s premium (minimum earned premium). Administrative fees and minimum earned premium are non-refundable.
  • Pricing includes $95 in administration fees. In addition, a $5 monthly processing fee is charged when the monthly payment option is chosen.

Program Eligibility

  • You must be actively affiliated with SELECT at the time of enrollment
  • If you are no longer affiliated with SELECT during the policy period, coverage for any new business activities ceases immediately as of your termination date. You will be covered under an Extended Reporting Period beginning on the date of termination. Please see the policy for further details.

Program Features

  • Annual renewable claims-made policy
  • A policy aggregate of $10,000,000*

    *Policy aggregate limit of liability is not applicable to those agents and registered representatives who are residents of or practice in New York State.

  • Provides coverage for any affiliated corporation, partnership or agency for their liability arising out of the individual insured's professional services
  • Extended Reporting Period Available - see policy for details
  • Defense costs reduce the limit of liability and are subject to the retention. Punitive damages are not covered by the policy. Refer to the policy form for the definition of defense costs and punitive damages.
  • Provides coverage for your administrative, clerical and support personnel while they are acting on your behalf.
  • Instant certificate of insurance for qualified applicants
  • Includes Cost of Corrections Coverage. Each insured will have a $50,000 per wrongful act/$50,000 per insured limit subject to a $500,000 annual policy aggregate and a $25,000 retention.
  • Important: This is a claims made and reported policy. Claims must be submitted immediately in writing to the insurer. Coverage only applies to claims first made during the policy period. Claims must be reported during the policy period; or, during an extended reporting period (ERP). Prior acts are covered back to the first day of continuous E&O coverage. Please refer to the policy form for claim reporting provisions and definition of a claim, prior acts definition, and ERP details.

Coverage Limits

  • $1 Million per claim / $2 Million annual aggregate

Deductibles and Retentions

  • $5,000 for claims arising from personal lines property & casualty insurance.
  • $10,000 for claims arising from commercial lines property & casualty insurance.
  • $25,000 for claims arising from inland marine, cyber liability, medical malpractice, professional liability, directors and officers liability, employment practice liability, fidelity, surety, crop, hail, wind.
  • $25,000 for Flood & Earthquake Insurance: Flood & Earthquake Insurance is subject to a $100,000/$100,000/$1,000,000 sublimit
  • $25,000 for claims arising from any coverage placed with a non-admitted carrier.

Payment Options

  • Pay in full or choose monthly payments via credit card or electronic funds transfer (EFT). For those customers that select the monthly payment option, your credit card or EFT will be processed on the 3rd business day of each month.


  • This errors and omissions coverage is placed with an admitted carrier. Please reference the A.M. Best rating chart and disclosures link below for an explanation of admitted and non-admitted carriers.
  • Your coverage is secured by National Casualty Company, an admitted carrier rated "A+" (Superior) XV by A.M. Best. National Casualty Company is part of the Scottsdale Group, a subsidiary of the Nationwide Mutual Insurance Company.


  • A.M. Best rating chart and other disclosures.
  • By enrolling in this insurance policy, the applicant agrees to become a non-voting member of Financial Services Professional Liability Risk Purchasing Group, Inc. ("FSPLRPG"). FSPLRPG is a Texas non-profit corporation that provides liability insurance for its members as a "Purchasing Group" in accordance with the Federal Liability Risk Retention Act (15 U.S.C. §3901 et seq.). Each member of FSPLRPG is covered for separate limits of liability and is required to pay all premiums when due.
  • Non-admitted Insurance must be placed through a non-affiliated surplus lines broker. No more than 10% of the insured's revenue can be derived from products under expanded coverage.
  • Refer to the policy form by clicking on the Policy button at the top of the page for more details on covered professional services and exclusions.

Program Administrator

  • Gallagher Affinity
  • Refer to the policy form for additional definitions, terms, and conditions. Please contact us with any questions or concerns; you can also visit our Frequently Asked Questions for more information.

Rate Calculator

Not due to renew yet?

Sign up for a FREE renewal reminder and avoid a gap in coverage.
Set Renewal Reminder

x close

Admin Login