Errors and Omissions Coverage Evaluation Form

Don’t just wonder how other E&O policies stack up to Swiss Re. Use this checklist to compare coverage.

For questions or to receivea proposal, contact:

Policy Form

Claims Made (rather than claims made & reported)

Application is not a part of the policyPrior ActsRetroactive DateWorldwide CoverageLimits of Liability

Defense Costs in Addition to LimitLimit of Liability Excess of DeductibleLimits up to $20,000,000Who is an Insured

IndividualPartnershipCorporationLimited Liability CompanyExecutive Officers/DirectorsStockholdersPartnersMembers/ManagersEmployeesLeased/Temporary WorkersIndependent Contractors/SubproducersFormer or Retired InsuredsMerged, Acquired, Newly Formed EntitiesHeirs, Executors, Administrators, Legal Representatives (death, disability, incapacity, bankruptcy)Spouses or Legal Domestic Partners (Individuals and Partnerships)Countersigning Agent or BrokerPrimary P&C Services

Insurance Agent/BrokerGeneral Agent, MGA, Underwriting Mgr, Program AdministratorExcess & Surplus Lines BrokerNotary PublicPremium FinancingClaim AdjustmentInsurance ConsultantLoss ControlSafety ConsultingProperty Appraising/ValuationRisk Management ServicesTeachingClaims Administration/TPAFinancial Services

Life and Health Insurance AgentVariable Life/Annuity SalesEmployee Benefit CounselingFinancial PlanningGroup Health SalesMutual Fund SalesSecurities SalesOther Services

Expert WitnessLoan Origination ServicesMotor Vehicle Title ServicesPrepaid Legal Expense SalesProfessional Employer Services Marketing Agreements (PESMA)Real Estate Agent/BrokerWellness Provider ReferralEmployment Practices Liability (EPL)

YES

YES

YES

YES

YES

YES

YES

YES

YES

YES

YES

YES

YES

YES

YES

YES

YES

YES

YES

YES

YES

YES

YES

YES

YES

YES

YES

YES

YES

YES

YES

YES

YES

YES*

YES

YES

YES

YES*

YES

YES

YES

YES*

YES

YES*

YES*

YES

YES*

YES*

YES*

YES*

YES*

YES*

YES*

* Available by Endorsement

Swiss Re OTHER

Errors and Omissions Coverage Evaluation Form

YES

YES

YES

YES

YES

YES

YES

YES

YES

YES

YES

YES

YES

YES

YES*

YES

YES

YES

YES

YES

YES

YES

YES

YES

YES

YES

YES

YES

10% Premium Savings Opportunity

Free

Free

Free

Free

10% Premium Savings Opportunity

10% Premium Savings Opportunity

$250 or $500 based on agency size

Up to 20% in Premium Savings Opportunity

YES

YES

YES

YES

YES

YES

YES

YES

Special Coverages

Catastrophe ExpenseLoss of EarningsState Regulatory InvestigationSubpeona ExpenseCyber Liability

1st Party Personal Data Breach3rd Party Personal Data BreachPersonal and Advertising Injury

Personal/Advertising InjuryMental Anguish/Emotional Distress/Libel/Slander/Wrongful Prosecution-Eviction-InjuryDeductible

Per Claim and Aggregate50% Deductible Reduction First Dollar Defense Misc Coverages/Issues

Judicial BondsPre/Post-Judgment InterestUse of Insured’s Own CounselBodily Injury/Property DamageCare, Custody, ControlContractual LiabilityInsurer InsolvencyVicarious LiabilityInnocent Insured Multiple DamagesPunitive or Exemplary DamagesAdditional Insured EndorsementERP Provisions

Automatic ERP - 60 daysOptional ERP Death, Disability, Retirement Provisions ERPMerger or Sale Provisions ERPRisk Management Services

Locally administered risk management seminarsBig “I”/Swiss Re risk management website - E&O Happens

E&O Claims Advisor newsletterMonthly “E&O Angle” articles in IA MagazinePeriodic risk management webinars Agency Shield ProgramTM Agency operational improvement review Big “I” Virtual Risk Consultant, powered by Rough NotesClaims-free credits availableSpecial Features

Endorsed by the Big “I”Market leader in insurance agents E&OExperienced/specialized claims team dedicated to agents E&O claims45+ years continuous market for agents E&OLocal state administrators to serve youTrue national program accessible in all statesBig “I” member oversight of programContributes directly to Big “I”’s advocacy efforts

* Available by Endorsement

Swiss Re OTHER

Errors and Omissions Coverage Evaluation Form

The information provided is for general informational purposes only and you should review the policy form and any applicable endorsements for complete policy language.

Please note that all applications are subject to review, underwriting and approval by Westport Insurance Corporation. If you have any questions please contact your state administrator.