Errors and omissions for the people who sell insurance.
E&O for insurance agencies and producers, for claims that a client was left uninsured, underinsured or placed with the wrong coverage.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
When a client says you missed something
The most common claim against an agent is that a loss wasn't covered because of a mistake: a coverage left off, a renewal missed or a request not processed.
Insurance carriers usually require agents to carry E&O before they'll appoint them. I place agency E&O with markets that write personal, commercial and life and health agencies.
- Coverage mistakesClaims a client was left uninsured or underinsured.
- Missed deadlinesRenewals and requests not processed.
- Legal defenseDefense costs for covered claims.
- Appointment requirementsLimits carriers require.
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.
- License: CA license number.
- Producers: number of licensed producers.
- Revenue: annual commission revenue.
- Lines: personal, commercial or life and health.
- Current policy: carrier and limits.
- History: any claims.
Insurance agent E&O, answered
Do carriers require agent E&O?
Most do before appointing an agent, often at specific limits.
What's the most common claim?
A coverage gap discovered after a loss, such as no flood or earthquake coverage.
Does E&O cover client data breaches?
Usually not. Cyber covers breaches of client data.
Can a new agency get coverage?
Yes. Licensing and experience help.
Do you offer insurance agent errors and omissions insurance outside California?
Yes. Clients across the country send the same quote form. California policies are placed directly; outside California the request is handled together with a partner agency in your state, and the shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Send your agency details. I'll shop it.
Producers, revenue and lines written are enough to start.
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.
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. I review every request personally and call you back, usually the same day.
(424) 552-4545Answered 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.