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Big "I" Professional Liability: Fireman's Fund Pro Gard

With more than 25 years of experience, Fireman’s Fund is an industry leader in providing liability coverage for agents and brokers against errors and omissions. Fireman’s Fund Insurance Company 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 IIAM.  The new form was developed under the oversight of the Big “I” Professional Liability Committee, a group comprised of IIABA members that oversees and influences the program with an eye towards agent advocacy.

Coverage Highlights

  • State of the art coverage form, exclusive to Big "I" members
  • $50,000 first party personal data compromise breach response for the accidental loss of client data, with optional higher limits available
  • First claim deductible is waived if you have been insured and claims free with Fireman’s Fund for five or more years
  • 80/20 consent to settle clause
  • True worldwide territory coverage
  • Insolvency coverage for all carriers with B+ or better A.M. Best rating
  • 90 day notice of merger or acquisition
  • $10,000/$30,000 catastrophe claims extra expense included at no additional premium
  • $35,000 regulatory investigation defense expense coverage per policy period
  • 60 days after expiration to report claims and purchase extended reporting provision
  • $500 per day supplementary payments for expenses incurred in aiding the defense of a claim
  • Aggregate deductible applies
  • Claims made policy form
  • Defense outside the limit
  • Broad definition of who is an insured, including spousal or domestic partner liability
  • Limits of liability available to $10 million
  • Dedicated, 24-hour claims expertise with multi-line background
  • Rated “A” (Excellent) by A. M. Best
  • Policies are direct bill


To apply for coverage, complete the Fireman’s Fund Insurance Company Independent Insurance Agents application electronically and email it to our insurance department at insurance@iiamd.org.   This application is a pdf form that MUST be completed by typing the information directly into the form, saved locally, then after completion digitally signed and sent via email to the state association contact. Viewing and completing the form requires the free Adobe Reader program which can be downloaded from www.adobe.com.

Fireman's Fund Application

Policy Forms

Upcoming E&O seminars approved for the 10% Risk Management Discount

  • No upcoming events

If you are taking the E&O Risk Management course to earn your 10% Risk Management Credit on your E&O insurance, please check the staff attendance requirements.

Independent Insurance Agents of Maryland, Inc.
2408 Peppermill Dr. Suite A, Glen Burnie, MD 21061 | Ph: 410-766-0600 | Fax 410-766-0993

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