NAPA's E&O Insurance for Property & Casualty Agents:

Fast online application. Upfront pricing. No hassle.

49

$

.17

/mo

STARTING AT

For agents selling personal lines P&C products only

49

STARTING AT

.17

$

/mo

with $199.17 down

or $680/year

View more policy information >

For agents selling both personal and commercial lines products

61

STARTING AT

.67

$

/mo

with $211.67 down

or $830/year

View more policy information >

For agents selling personal, commercial and expanded lines

86

STARTING AT

.67

$

/mo

with $236.67down

or $1,130/year

View more policy information >

Looking for agency options or our group preferred-rate programs?

Search all preferred-rate programs >

Why do I need E&O Insurance?

What does NAPA's P&C Agent E&O Insurance cover?

If you make an error or omission in the sale or servicing of a covered insurance or financial 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 and helps protect your current and future earnings. It also safeguards your business and personal assets against the high costs associated with client litigation and court settlements.

NAPA E&O insurance policies are specifically designed to protect insurance agents for the sale and service of insurance products. For NAPA's P&C Agent E&O Insurance, this starts with Personal Lines products, including homeowners, auto, renters, recreational vehicles, motorcycle, personal umbrellas, flood and pet insurance.

We offer a variety of options to fit your needs, including commercial lines coverage and expanded (also called surplus) lines coverage.

Before applying, be sure to review all available options and individual policy details to determine the best solution for your business needs. If you have any questions along the way, start a chat or give us a call!

Since 1989, the NAPA has assisted insurance agents with exceptional insurance coverage and benefits. We live up to our service claims: our first-class, licensed customer advocates are just a call or chat away to lend a hand in ensuring that your experience with NAPA is exceptional.

NAPA's Insurance Agent E&O Insurance is backed by an "A+" rated insurance carrier, so you can trust that you're protected in the event of a claim. We strive for affordability without making sacrifices to our coverage or services.

When you purchase NAPA's E&O Insurance, you'll receive instant access to a curated collection of benefits, including free continuing education courses, a free magazine subscription,  group-preferred rates on other insurance programs for your business, and savings on office supplies, shipping, services, travel and more.

• FREE Continuing Education (CE) Voucher

• Savings on travel, including flights, hotels, rental cars and vacation packages

• FREE Annual Magazine Subscription

• Office Supply Discounts at Office Depot

• Access to members-only Long-Term Disability Insurance and Business Overhead Expense

• Shipping Discounts with UPS

• Shop exclusive member rates for homeowners, auto, and renters insurance with top carriers like Progressive, Nationwide, Farmers, Travelers and more

• Exclusive access to a slate of hundreds of other discounts from top retailers, restaurants, event and theme park tickets and more
  

With NAPA, you can trust that your coverage has an advantage over the other policies out there. Affordable, upfront pricing, no hidden fees, U.S.-based customer service, comprehensive coverage options ...the list goes on.

NAPA

The Other Guys

Upfront pricing without the need to input business information

Apply in minutes and receive instant proof of insurance

Coverage includes member benefits, including FREE CE courses

Painless automatic renewal

Various coverage options so you only pay for what you sell and service

Multiple limits of liability options 

Please refer to the policy for complete coverage details.

Covered Products & Options

Level 1 (Personal Lines Only): Protection for the sale and service of auto, recreational vehicles, watercraft, motorcycle, homeowners, renters, personal umbrellas, pet insurance and flood. Other commercial and personal lines are excluded. Coverage is limited to admitted carriers only.

Level 2 (Personal & Commercial Lines): Includes Level 1 coverage, plus commercial lines P&C coverage for workers compensation and employers liability, general and product liability, business owners and commercial multi-peril, auto (other than long haul trucking), property, and flood. Other commercial and personal lines are excluded. Coverage is limited to admitted carriers only.

Level 3 (Personal, Commercial & Expanded Lines): Includes Level 2 coverage, plus expanded commercial lines coverage for inland marine, medical malpractice and professional liability, directors & officers liability, employment practice liability, fidelity, surety, crop, hail, wind, & earthquake. Sublimits & exclusions apply. See policy for full details.

All levels have the option to add Life & Health products.  See Life & Health product add-ons >

Deductibles & Liability Limits

Deductibles/retentions for claims start at $5,000 for P&C products.  See deductibles by product type >

• $1 million per claim / $1 million annual aggregate
• $1 million per claim / $2 million annual aggregate

For limits of liability, agents can choose from the following options:

$10,000,000 master policy annual aggregate†

Coverage Benefits

NAPA's P&C Agent E&O policies are underwritten by an "A" rated, admitted carrier

Extended reporting period (ERP) available for those retiring, leaving the industry or selling their book of business

Prior acts coverage back to the first date of continuous coverage

Coverage extends to your clerical and administrative staff

Access to NAPA Member Benefits, allowing you to save on office supplies, travel, shipping, electronics, entertainment, business services and more. Members also receive a complimentary voucher for continuing education courses and a magazine subscription.

Top-rated customer service

Pricing is based on your annual revenue, with options for agents making up to $1M

Monthly and annual payment options

Automatic annual renewal

Which program should I choose?

Before applying, you'll need to choose between the three P&C Agent E&O policy options - Level 1 for Personal Lines Only, Level 2 for Personal & Commercial Lines or Level 3 for Personal, Commercial & Expanded Commercial Lines. What you sell and service as an agent should determine which option you purchase. If you also sell Life & Health products, all three levels of coverage have the option to add Life & Health products.

If you have an agency with multiple producers, you'll need Agency E&O Insurance to protect the written business under the agency's name. P&C agents with agency names but just one producer may apply for Individual P&C Agent E&O Insurance and request to add their agency name to their certificate after purchase. 

If you only sell Life & Health products, or if you primarily sell Life & Health products (> 50%) but also sell P&C products, visit our policy details pages for additional options.

Ready to apply?

Need more help?

Start a chat or call us at (800) 593-7657

†Not applicable to agents and registered representatives who are residents of or practice in New York State. Please refer to the policy for complete coverage details.

1. Find Your Perfect Option

See our policy details or use our Rate Calculator to discover the perfect policy with upfront pricing for you.

2. Apply For Coverage

In just minutes, you can be insured against client claims of negligence, errors and omissions.

3. Download Your Certificate

Once you’ve completed your application and paid, you’ll immediately have access to your certificate of insurance.

For agents selling personal lines P&C products only

49

STARTING AT

.17

$

/mo

with $199.17 down

or $680/year

View more policy information >

For agents selling both personal and commercial lines products

61

STARTING AT

.67

$

/mo

with $211.67 down

or $830/year

View more policy information >

For agents selling personal, commercial and expanded lines

86

STARTING AT

.67

$

/mo

with $236.67down

or $1,130/year

View more policy information >

Looking for individual agent options or our group preferred-rate programs?

Search all preferred-rate programs >

(800) 593-7657

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Chat

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