For 25 years, the Big "I" Professional Liability Program underwritten by Westport Insurance Corporation, a member of the Swiss Re Group (rated A+ Excellent by A.M. Best), has been the premiere choice of Big "I" Maryland members for insurance agents and brokers E&O insurance.

• 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
• 10% Premium credit for three years for attending an approved loss control class
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• State associations that serve to assist you should a claim arise.
• An exclusive policy form and premium credits filed on a Risk Purchasing Group basis to give Big "I" members coverage tailored to their needs.
• Competitive pricing supported by a critical mass of premium volume to maintain rate stability.
• A partner in Swiss Re Corporate Solutions, a member of the Swiss Re Group, rated A+ Superior by A.M. Best.
• 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
• E&O Risk Management Web site – www.independentagent.com/EOhappens.
• 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.
• A Professional Liability Committee comprised of IIABA member agents to oversee and recommend enhancements to the program to meet the ever-changing needs of agents.  

Click here for a sample policy form

With more than 25 years of experience, Alliance is an industry leader in providing liability coverage for agents and brokers against errors and omissions. Alliance 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 members of Big "I" Maryland.  

• Rated A+ by A.M. Best
  
• State of the art coverage form, exclusive to Big "I" members
  
• Claims made coverage with full prior acts
  
• Coverage for sale of both Property/Casualty and Life/Health insurance products
  
• Insolvency coverage for all carriers 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
• 80/20 Consent to settle clause
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• $50,000 first party personal data compromise breach response for the accidental loss of client data, with optional higher limits available
• Full prior acts available
  
• Deductible waived if insured is claims free with Allianz for five or more years
  
• $10,000/$30,000 Per catastrophe/per policy period claims extra expense
  
• $35,000 Regulatory investigation defense expense coverage per policy period
  
• True worldwide coverage
  
• 10% Premium credit for three years for attending an approved loss control class

Click Here to see a sample policy form.