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Fast 5 minute E&O application process.

Errors and Omissions Insurance for:

Property & Casualty Agents

  • • Extended Tail Coverage
  • • Preferred Risk Rates
  • • Easy Online Process
  • • A Rated Carriers
  • • Sponsor Group Rates
  • • Instant Proof of Insurance
Select a plan below


Limits** Ethics.net (NEA)
Membership Fee*
Cost includes
NEA membership
NEA Member Fee Disclosure
*For non-members of the National Ethics Association (NEA), there is an annual membership fee of $156 that is collected by Mercer Consumer and forwarded to NEA for your convenience. This annual fee covers your membership in the NEA which is required to participate in this group policy offering and is not part of the insurance transaction. You may also join NEA directly at www.ethics.net and then return and pay the insurance premium only by verifying your membership upon checkout. Program Administered by Mercer Consumer, a service of Mercer Health & Benefits Administration LLC | In CA d/b/a Mercer Health & Benefits Insurance Services LLC | AR Ins. Lic. #303439 | CA Ins. Lic. #0G39709

** $10,000,000 total policy aggregate all insureds.


Limits** Ethics.net (NEA)
Membership Fee
** $10,000,000 total policy aggregate all insureds.

Policy Highlights

Review the Complete Preferred Risk E&O Insurance for P&C Agents Specimen Policy here: P&C Agents Policy Specimen PDF


Provides protection for licensed Insurance Agents for wrongful acts in the rendering of or failure to render professional services in connection with selling or servicing the following property and casualty insurance products: comprehensive general liability policies, homeowners policies, automobile policies, workers compensation or employers liability policies, directors and officers liability policies, and employment practices liability. Insureds include the Insurance Agent, a business entity owned or controlled by the Agent and secretarial, clerical and administrative personnel acting on behalf of the Agent. A separate Certificate of Insurance with a separate Limit of Liability is issued to each Agent.

Plan Eligibility:

Coverage is subject to favorably answering all qualifying questions on the application.

Limits of Liability:

$1,000,000 each Claim

$1,000,000 all Claims under each Certificate of Insurance

$10,000,000 total policy aggregate for all Claims under all Certificates of Insurance


$10,000 each Claim

Additional Features Include:

  • Competitive rates
  • Prior Acts Coverage going back to the first continuous E&O policy issued to the Agent
  • An extended reporting period available if either Insured or Insurer cancels or non-renews
  • Quick and easy online enrollment and renewal, with Certificate of Insurance available online upon satisfactory confirmation of premium payment
  • Coverage extended to spouses, domestic partners, estates, heirs or legal representatives for claims arising out of their status as such
  • Policy non-cancelable by Insurer except for non-payment of premium
  • Broad definition of Claim includes written demands and civil proceedings for monetary damages

Underwritten by:

Everest National Insurance Company, together with its insurance company affiliates, represents the primary insurance arm of Everest Re Group, Ltd., a Bermuda holding company and world leader in property and casualty reinsurance and insurance, offering innovative products, responsive service, and unsurpassed financial strength. Financial and business highlights of Everest Re Group, Ltd. include:

  • $18.4 billion in total assets (as of December 31, 2010)
  • Everest Re Group companies are rated A+ XV (Superior) by A.M. Best and A+ (Strong) by Standard & Poor’s
  • Claims professionals with extensive technical knowledge and professional liability claims experience

Administered by:

Mercer Consumer, a service of Mercer Health & Benefits Administration LLC. Mercer is a global consulting leader in talent, health, retirement, and investments. Mercer helps clients around the world advance the health, wealth, and performance of their most vital asset—their people. Mercer’s 20,500+ employees are based in more than 40 countries. Mercer is a wholly subsidiary of Marsh & McLennan Companies (NYSE: MMC), a global team of professional services companies offering clients advice and solutions in the areas of risk, strategy, and human capital.

P.O. Box 8146 Des Moines,
IA 50306-8146

Phone: 1-866-795-2041
Fax: 1-515-243-2331

This highlights sheet, which has been prepared by Mercer Consumer, contains a summary of the insurance certificate provisions. You should not rely on this sheet for coverages. In the instance of conflict between this sheet and the actual certificate and/or policy, the insurance certificate and/or policy will prevail and control. See policy for complete list of coverage and exclusions at www.eoforless.com.


One or more of the Everest companies provide the products and/or services described. The information is intended to present only a general overview for illustrative purposes only. It is not intended to constitute a binding contract. Please remember that only the relevant insurance policy can provide the actual terms, coverages, amounts, conditions and exclusions for an insured. All products and services may not be available in all states and may be subject to change without notice.

Please Call Mercer Consumer if You Need Any Assistance: (866) 795-2041