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E&O Insurance

E&O Insurance for Insurance Agents, Registered Investment Advisors, and Financial Planners. Get a quote and buy online — you could save up to 20%. **

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Get Instant and Affordable E&O Insurance

AdvisorCovered.com offers affordable Errors and Omissions (E&O) for Insurance Agents, Registered Investment Advisors, IARs, and Financial Planners.
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    Quote & Apply in Minutes
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    Instant Proof Of E&O Insurance
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    Savings up to 20% when you switch. **
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    “A (Excellent)” Rated carrier
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    Superior Customer Care
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    Bundle with GL or BOP
Nationwide Insurance Group

E&O insurance offered through AdvisorCovered.com is backed by the Nationwide Insurance Group, providing the financial strength and stability you expect from a nationally recognized carrier.

E&O Insurance for Life & Health Insurance Agents

Coverage for Individuals & Agencies

E&O for Life & Health Insurance Agents

E&O for insurance agents who primarily write Life & Health insurance. This includes agents who sell annuities and Series 6 variable products.

Starting as low as:

$ 25 .00 / MO*
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Benefits of Life & Health Insurance Agent E&O Insurance

A flexible Errors & Omissions policy built specifically for Life and Health Insurance Agents. Coverage is designed to reflect how life & health agents actually do business and can be customized to match your individual or agency mix of products.

BUNDLE & SAVE: Add optional P&C coverage, including personal lines or commercial lines.

Policyholder Benefits:

  • check Competitive, everyday pricing
  • check Limits up to $2,000,000 / $2,000,000
  • check Online customer portal for policy access
  • check Diminishing retention (deductible) over time
  • check Optional P&C coverage add-ons

E&O Insurance for Property & Casualty Insurance Agents

Coverage for Individuals & Agencies

E&O for P&C Insurance Agents

E&O Insurance coverage for P&C Insurance Agents. Property & Casualty Insurance Agents can tailor coverage for personal, commercial, specialty, and surplus lines.

Starting as low as:

$ 40 .61 / MO*
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Benefits of P&C Insurance Agent E&O Insurance

An Errors & Omissions policy designed for Property & Casualty insurance agents, covering the professional risks that arise from placing, servicing, and advising on personal and commercial insurance products.

BUILT FOR P&C AGENTS: Coverage aligned with how agencies place and service insurance.

Policyholder Benefits:

  • check Competitive pricing for individuals and agencies
  • check Limits up to $1,000,000 / $2,000,000
  • check Personal Lines and Commercial Lines Coverage Offered
  • check Expand coverage to add Specialy Commercial & Surplus lines
  • check Diminishing retention (deductibles)
  • check Life Insurance addon, including annuities and Series 6
  • check Online portal and on-demand certificates

Investment Advisor Representative (IAR) and Financial Planner E&O Insurance

E&O for Advisor & Planners

Advisors & Planners

E&O Insurance for Individual Investment Advisors with coverage for mutual funds, publicly traded stocks, bonds, and REITS; covered calls, protective puts, and regular ETFs and ETNs.

Starting as low as:

$ 41 .67 / MO*
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Benefits of Investment Advisor Representative E&O Insurance

Professional liability coverage for Investment Adviser Representatives and financial planners, designed to protect individuals providing advice under an RIA or hybrid model.

INDIVIDUAL COVERAGE: Protection tailored for advisors operating under a firm.

Policyholder Benefits:

  • check Everyday competitive premiums
  • check Limits up to $2,000,000 / $2,000,000
  • check Diminishing retention (decuctibles) over time
  • checkAdd-on Life Insurance Coverage
  • check Coverage options include Series 6 & Series 7 transactions
  • check Online portal for policy management
  • check Print coverage certificates on-demand

Registered Investment Advisor (RIA) and Advisory Firms E&O Insurance

Corporations & LLCs

E&O for Advisor Firms

E&O Insurance for RIA Firms with multiple advisors. Includes coverage for mutual funds, publicly traded stocks, publicly traded bonds, and publicly traded REITS; covered calls, protective puts, and regular ETFs and ETNs.

Starting as low as:

$ 41 .67 / MO*
Quote & Buy Online
Get Full Details

Benefits of Registered Investment Advisor E&O Insurance (RIA Firms)

Errors & Omissions coverage designed for Registered Investment Advisor firms, addressing the professional liability risks that come with fiduciary advice, portfolio management, and client relationships.

FIDUCIARY FOCUSED: Coverage structured for SEC and state-registered RIAs.

Policyholder Benefits:

  • check Everyday competitive premiums
  • check Limits up to $2,000,000 / $2,000,000
  • check Diminishing retention (decuctibles) over time
  • checkAdd-on Life Insurance Coverage
  • check Coverage options include Series 6 & Series 7 transactions
  • check Online portal for policy management
  • check Print coverage certificates on-demand

FAQs About E&O Insurance

Will I get immediate evidence of coverage?

Yes. After you purchase your E&O insurance policy, you will be emailed a copy of your certificate, policy. You will also receive an online account where you can download your evidence of insurance 24-hours per day, and the option to use our mobile app.

Why do I need Errors and Omissions (E&O) Insurance?

When you make an error or omission in the sale or servicing of a financial or insurance product, it can trigger a client lawsuit that can cost thousands of dollars to defend. If you are found liable, and a judgment is levied against you in a court of law, you may also be responsible for settlement costs. Having an E&O insurance policy in place provides you with expert legal counsel in the event of a claim. It also helps protect your current and future earnings. It’s a safeguards your business and personal assets against the high costs associated with client litigation and court settlements.

What does Errors and Omissions (E&O) Insurance Cover?
Every E&O policy is different so it’s important to carefully read your policy to understand coverages, exclusions, limits, deductibles and other key policy considerations. E&O insurance policies issued through AdvisorCovered.com are specifically designed to protect insurance agents and financial professionals selling and servicing products that can include life, accident, health, long-term care, disability, Medicare Advantage, Medicare Supplements, employee benefit administration, fixed & indexed annuities, mutual funds and variable products.
What’s the difference between E&O insurance and General liability?

General Liability insurance covers claims related to bodily injury and property damage — like a client who trips and falls in your office. E&O insurance covers claims arising from professional mistakes or negligence — like a client who alleges your advice caused them a financial loss. Both are important, but E&O is the coverage most critical to protecting your practice as a financial professional.

Learn more about E&O Insurance vs. General Liability.

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Disclosure: Could You Save 20%?

AdvisorCovered.com performed an internal review of Insurance Agent and RIA policies issued from March 2024 – March 2025. Premiums for new policies were compared against applicant-provided prior policy costs when available. The average premium difference observed was approximately 18%, with a meaningful portion of insureds experiencing differences of 20% or more after switching to AdvisorCovered.com. Individual premiums vary based on gross annual revenues, limits selected, optional coverages, services performed, and underwriting characteristics. Savings are not guaranteed.