Professional Liability

We realize that protecting the future of your agency is a major priority. As your Association we also want to provide you with the security of knowing that you are getting the best overall E&O value in the marketplace – not just a policy, but a comprehensive program. 

Big I Maryland members have access to broad coverages at competitive pricing through our E&O insurance program. IIABA has the largest national independent insurance agent’s E&O program in the United States and is one of the highest utilized member services. 

You trust us to represent your interests at the highest political level, and as your association, we also want to provide you with the security of knowing you get the best overall E&O value in the marketplace – not just a policy, but an all-inclusive program. Big I Maryland represents the two leading carriers of insurance agents’ E&O coverage: Swiss Re/Westport and Fireman’s Fund.

Carriers & Coverage

Swiss Re/Westport

For 25 years, the Big “I” Professional Liability Program underwritten by Westport Insurance Corporation, a member of Swiss Re Corporate Solutions (rated A+ Superior by A.M. Best), has been the premiere choice of IIABA member agents for insurance agents and brokers E&O insurance.

| Coverage Highlights

The Big "I" Professional Liability Program offers not just a policy, but a comprehensive program for insurance agents.

Review our policy form and you will see these are just a few of the coverage benefits of the Swiss Re policy:

  • Coverage for the sale of both Property/Casualty and Life and Health insurance products
  • Limits of liability up to $20 million
  • Broad definition of covered professional services and activities
  • Comprehensive definition of who is an insured
  • Aggregate deductibles
  • Defense cost outside the limits
  • Available first dollar defense
  • Full prior acts available
  • No contractual liability exclusion
  • Coverage for punitive damages (where available by state)
  • Multiple extended reporting period options
  • True worldwide protection
  • Coverage for advertising, libel and slander
  • Catastrophe Expense $25,000 per policy period
  • Subpoena Coverage $10,000 per policy period
  • 1st Party Personal Data Breach (cyber) $25,000 per policy period
  • 3rd Party Personal Data Breach (cyber) $1,000,000 sublimit
  • Deductible reduction up to $12,500 per claim for risk management activities
  • Several options available to easily earn premium discounts up to 20%

| Coverage Benefits

Why Choose Swiss Re?

  • Superior customer service and expertise provided by your local state association
  • A Professional Liability Committee comprised of Big I member agents to oversee and recommend enhancements to the program to meet the ever-changing needs of agents
  • An exclusive policy form and premium credits filed on a Risk Purchasing Group (RPG) basis to give Big I members coverage tailored to their needs
  • Competitive pricing supported by critical mass of premium volume to maintain rate stability
  • Loss prevention materials to reduce the chance of a claim and improve business processes
  • An exclusive comprehensive risk management website including practical information and tools to help your agency avoid a claim
  • E&O Claims Advisor – a periodic E&O risk management newsletter available only to Swiss Re policyholders, providing valuable information to all positions in the agency

Get started with Westport today!


Questions: Reach out to our E&O specialist, Marie Toney, at or 410-766-0893


With more than 25 years of experience, Allianz is an industry leader in providing liability coverage for agents and brokers against errors and omissions. Allianz is rated A+ Excellent by A.M. Best. This exclusive policy form is filed on a Risk Purchasing Group (RPG) basis and is available only to Big I Maryland members.

| Coverage Highlights

With over 25 years of experience, Allianz is a dedicated, knowledgeable insurer of insurance

agents' needs. 

  • Rated A+ Excellent by A. M. Best
  • State-of-the-art coverage form, exclusive to Big “I” members
  • Claims-made coverage with full prior acts
  • Coverage for the sale of both Property/Casualty and Life & Health agents
  • Insolvency coverage for all carrier with B+ or better A.M. Best rating
  • Limits of liability up to $10 million
  • Broad coverage tailored to insurance agencies
  • Broad definition of who is an insured, including spousal liability
  • Aggregate deductibles
  • Defense costs outside the limits
  • Optional First party personal data compromise breach response for the accidental loss of client data is available for limits between $25,000 and $150,000
  • 80/20 consent to settle clause
  • Deductible waived if insured is claims free with Fireman’s Fund for five or more years
  • $25,000/$50,000 per catastrophe/per policy period claims extra expense
  • $60,000 regulatory investigation defense expense coverage per policy period
  • True worldwide coverage
  • 10% premium credit for attending an approved loss control class

| Coverage Benefits

Why Allianz?

  • Competitive rating plan
  • Rated A+ Excellent by A.M. Best
  • Dedicated, 24-hour claims staff expertise with multi-line background
  • Long-standing market player in Agents E&O
  • Policies are direct bill

Get started with Allianz today! Click here to download the application and email it to Marie Toney at once completed.

Exclusive E&O Tools And Resources

E&O Risk Management Credit

Big I Maryland members who purchase E&O coverage may be eligible for a loss control credit on their premium. In order to receive the credit, a percentage of your agency's staff must complete an approved E&O Risk Management seminar. Click here to view a list of our approved E&O Seminars.

Questions? Contact Kyrsten Langford, Education Coordinator, at or 410-766-0600.

RM Credit Information

E&O Risk Management Website - E&O Happens

The Big "I" Risk Management website, E&O Happens, offers exclusive risk management information and tools to help agency staff of Swiss Re Corporate Solutions policyholders avoid E&O claims and improve business practices.

E&O Happens Website

Rough Notes Advantage Plus/Virtual Risk Consultant (VRC)

Rough Notes Advantage Plus, (formerly the Big “I” Virtual Risk Consultant/VRC) is a trusted insurance knowledge base platform available at a member exclusive discount price for Big I members. Quickly get the information you need to  understand you customers operations and exposures while identifying appropriate coverages. Gain access to the resources your agency needs, such as E&O checklists, sales and marketing tools, proposal language, plus training and development support. 

Rough Notes Advantage Plus

Our Mission

To ensure the success of independent insurance producers and agency staff throughout Maryland by providing access to a suite of top tier products and services.

     2408 Peppermill Dr., Ste A Glen Burnie, MD 21061

     (410)-766-0600


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