You handle the claims. Who handles yours?
Errors and omissions, general liability, cyber and auto coverage for independent adjusters, public adjusters and actuarial consulting firms.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
Estimates, settlements and models
Adjusters get sued over the claims they handle. A policyholder says a public adjuster missed damage or a deadline; a carrier or firm says an independent adjuster's estimate was wrong. California licenses both, and public adjusters must work under a written contract on a form the Insurance Commissioner approves, so the paperwork itself can become part of a dispute.
Actuarial firms face a different version: a reserve study, a rate model or a pension valuation that a client relied on. I quote E&O written for your exact work, then add cyber for the claim files and personal data you hold, and auto or hired auto for field inspections.
- Errors and omissionsMistakes in estimates, settlements or models.
- General liabilityInjuries during inspections and office visits.
- Cyber liabilityClaim files, medical and personal data.
- AutoField adjusting and catastrophe deployments.
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.
- Work: independent, public, staff or actuarial.
- Lines: property, auto, casualty, workers' comp, life.
- Licenses: states and license numbers.
- Volume: claims or engagements a year.
- Revenue and staff: annual figures.
- History: prior E&O, retro date and complaints.
Adjuster insurance, answered
Do insurers require E&O from independent adjusters?
Many adjusting firms and carriers do, with set limits. Send me their vendor requirements and I'll quote to them.
Is public adjuster E&O hard to place?
It's a narrower market than most professional lines, and much of it is written by specialty markets. A clean contract file and complaint history help a lot.
Does E&O cover a Department of Insurance complaint?
Some policies include license or regulatory defense, often with a sub-limit, subject to the policy terms. I point out which ones do.
I deploy for catastrophes. Is my car covered?
Your personal auto may not cover business use at that level. I look at hired and non-owned auto or a business auto policy for field work.
Do you offer adjuster and actuary 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.
Protect your license and your work.
Tell me what kind of adjusting or actuarial work you do, and I'll compare E&O markets that write it.
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. Some policies may be placed with nonadmitted (surplus lines) insurers, which are not members of the California Insurance Guarantee Association (CIGA).
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. Your application link comes by email right away, and you get an update at every step until your quotes are ready.
(877) 711-4545Answered 24/7 · CA License #4348151
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.