E&O Insurance for Insurance Agents

You can save up to 25% in discounts on business insurance.*

Choose your primary coverage to get started:

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Errors and Omissions insurance for insurance agents

ERGO NEXT makes it fast, easy and affordable to get tailored E&O insurance and other business insurance for your insurance business. And once you’re covered, you can share unlimited proof of insurance in minutes at no additional cost.

We specialize in solopreneurs and small business owners in over 1,300 professions. It’s easy to choose your options, buy online and get sharable proof of insurance for your next job — all online in about 10 minutes.

Get affordable insurance for insurance agents without the hassle

Consider these coverage options to help make your business professional and protected:

General Liability insurance

For damage to property you don’t own

This type of liability insurance can provide financial assistance for many common small business risks. It can help if someone other than an employee gets hurt or you’re held responsible for damaging property that doesn’t belong to you.

general liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Errors & Omissions insurance (E&O insurance)

To help protect you from errors and mistakes at work

Errors and omissions insurance, also called E&O insurance or professional liability insurance, can help you defend your business if you’re accused of making a mistake that causes someone to lose money. For example, if you give wrongful advice to a client that costs them money, it could help cover related expenses to defend yourself if they file a lawsuit.

professional liability can help you pay for:

Professional negligence (actual or alleged)

Legal defense costs

Legal judgments

Commercial Auto insurance

If you own or drive a vehicle for work

Personal auto insurance doesn’t usually provide coverage if you cause a collision on the way to a client’s office. Most states require a commercial auto policy for business-owned vehicles to help pay for medical expenses and property damage after an accident.

commercial auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Workers’ Compensation insurance

Coverage for work-related illness or injury

Workers’ compensation insurance could help pay for medical care and lost wages if you or your employees get hurt on the job. If you want yourself covered by workers’ comp, make sure to add business owner’s coverage to your policy.

workers compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Commercial Property insurance

For business owners who own or rent physical work space

Commercial property insurance could help protect your business equipment and inventory, as well as your gear when you travel for work. If your business property is damaged due to a covered event such as a burst water pipe or fire, property insurance could help with replacement or repair.

commercial property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

Cyber Liability insurance

Protection against cyber attack and other tech issues

Businesses often handle personal client and financial data, and a cyber incident can disrupt your operations and hurt client trust. Cyber insurance could help protect your business and help you respond quickly if there’s a data breach of sensitive client information, a cyber attack or a phishing scam that could impact your business.

cyber liability can help you pay for:

Data breaches

Cyber attacks and ransomware attacks

System failures

Insurance agents trust ERGO NEXT

Ease of quoting.

Very user friendly website.

Linda M.

Mexsu Investments

5 stars all the way!!

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Sandra P.

Easy, adfordable, great app

Next is an amazing company

Karen M.

Business Ins

Great fast service

Yuri F.

Great rates

Same coverage better rates.

Peter C.

Getting Insured

The process was simple and easy to navigate and now I’m covered.

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Simple and easy

Everything is very straightforward and easy to understand. Great rates and user friendly.

Jessica K.

agent

quick easy affordable

James S.

Life Insurance Producer

Sign up was simple, costs is affordable with great coverage per occurrence. I got several quotes that i didn't like until discovering Next. Thanks so much Next !!!

Leonard S.

You can save up to 25% in discounts on insurance for insurance agents*

Choose the package that's best for your business.

Basic

Lowest Price

Commercial Auto

Combined single limit

$85,000

General Liability

Per occurrence

$500,000

Professional Liability (E&O)

Per occurrence

$250,000

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

How much is E&O insurance for insurance agents?

Your insurance agent business insurance cost can vary based on a number of factors, including:

The type of work you do.
The location of your business.
Your business size.
Your number of employees, if you have them.
Your claims history.

The cheapest E&O insurance for insurance agents is affordable for most small businesses.

Get a free business insurance quote for insurance agents. You’ll know exactly what your business will pay in about 10 minutes, and you can purchase, get proof of insurance and access your policy 24/7.

Which types of insurance are required for insurance agents?

Insurance agents are almost always required to carry liability coverage to help mitigate the risk and exposures of professional mistakes. You might need insurance to:

Start selling insurance products. Agencies and/or state law usually require you to have active insurance coverage — usually an E&O policy — before you can work.
Get help for attorney fees and legal expenses. If a client sues you for making a mistake with your professional services.
Repair or replace property you own or rent. Commercial property insurance can help protect your inventory, equipment and even the building that you lease or own.
Drive for business. Vehicles used for business typically need commercial auto insurance.

Business insurance for insurance agents FAQ

If you don’t find the answers you need, our licensed, U.S.-based insurance advisors are standing by to help.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, what type of events you sell at, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How can I get a certificate of insurance (COI)?

Once you have a ERGO NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.

How do you file an insurance claim with ERGO NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.