Every call, on the record.
Errors and omissions, cyber and data liability, employment practices, crime, office property and workers' comp for call centers, answering services and telemarketing firms.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
Messages, data and dialing rules
A call center's claims usually come from mistakes, not injuries. A missed message for a doctor's office, a wrong dispatch for a plumber, or a lapse that exposes callers' personal or payment data can lead to a lawsuit from a client or the public. Outbound calling adds federal telemarketing and robocall rules, and lawsuits under them are common.
With large staffs and steady turnover, employment practices claims matter too. I build these firms a mix of errors and omissions, cyber, EPLI and crime around a standard office policy, and I read each wording for how it treats telemarketing and call-recording claims.
- Errors and omissionsMissed or wrong messages and service errors.
- Cyber liabilityCaller data, payment details and recordings.
- Employment practicesHiring, firing and wage-related claims, subject to the policy.
- CrimeEmployee theft and social engineering.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- Business: inbound, outbound or both.
- Clients: industries you serve, such as medical or legal.
- Data: payment cards, health info and call recordings.
- Contracts: client insurance requirements.
- Revenue and payroll: annual figures and agent count.
- History: current policies and claims.
Call center insurance, answered
Are robocall or telemarketing lawsuits covered?
Many policies exclude claims under telemarketing and robocall laws. Some markets offer limited coverage. I read the exclusions before you buy.
What if we miss a message and a client loses business?
Errors and omissions often responds to claims that your service caused a financial loss, subject to the policy terms.
We handle health information. What do we need?
Cyber liability for breach response and claims, and your client contracts may require specific limits. I match the policy to the contract.
Do remote agents need different coverage?
Workers' comp still applies to employees working from home. Cyber should account for home networks and devices.
Do you offer call center insurance outside California?
Yes. Clients across the country send the same quote form. Sam Alishahi is licensed in 48 states and Washington, DC and places policies there directly. In Florida and Washington, where Sam's licenses are still being issued, a partner agency in your state helps in the meantime. The shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Official sources
Insure your call center
Tell me about your calls, your clients and the data you handle. I'll find markets that write call centers and explain the exclusions that matter.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued.
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(877) 711-4545Answered 24/7 · CA License #4348151
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