Insurance Agents E&O Program

Offers a broad definition of professional services, soft hammer clause and multiple deductible options

It can be highly beneficial for insurance agents and brokers to purchase appropriate coverage and limits. After all, these professionals have dedicated their career to helping individuals and businesses understand and select insurance options available in a large and complex market.

Our Agents E&O Program offers access to a broad definition of professional services, a soft hammer clause, and multiple deductible options, starting as low as $2,500. We provide access to policy options on both a standard and surplus lines basis with the ability to customize coverage to specific needs.

Program Highlights

  • Broad definition of professional services
  • Tailored carrier insolvency coverage
  • Soft hammer clause
  • Covers punitive damages where allowed by law
  • Independent contractors included in coverage
  • Multiple limit options up to $5,000,000 / $5,000,000
  • Multiple deductible options available starting at $2,500
  • Deductible credit for claims resolved via mediation
  • Installment payment plans available – no fees!

Target Classes

  • Property & Casualty
  • Life / Accident & Health Products
  • Fixed Annuities
  • Retail independent agents and brokers
  • Wholesale brokers
  • MGAs / MGUs / TPAs
  • Program Administrators
  • Hybrid facilities
  • Clusters


  • Professional Liability
    • Broad Carrier Insolvency Coverage
    • Soft Hammer Clause
    • Disciplinary Action Coverage
    • Subpoena Coverage
    • Loss of earnings
    • Exclusive proprietary enhancement endorsement included, providing reimbursement for:
      • Cancelled Conferences
      • Temporary Meeting Space
      • Emergency Web Hosting
      • Workplace Violence Consulting
    • Cyber First-Party and Third-Party Coverages included
    • Optional Coverages
      • First Dollar Defense available
      • Defense Outside the Limits
      • Aggregate deductibles available
      • Increased Cyber limits available

Submission Requirements

  • Supplemental Application
  • 5 Years currently valued Loss Runs if any claim activity


Dana Lynn Pound
P: 410-405-7641
M: 860-306-8592
Tiffany Burrell
P: 443-318-6133
Sal Ciuffreda
P: 410-405-7613
M: 908-698-3326
Send submissions to


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The description of this program is only a summary of available coverages. Actual policy language will dictate the scope of coverage in the event of a claim. Agents should read the full policy form and any applicable endorsements for full terms and conditions and should encourage their policyholders to do the same. The operations described herein are conducted by RSG Specialty, LLC, a Delaware limited liability company based in Illinois. RSG Specialty, LLC, is a subsidiary of Ryan Specialty, LLC. RSG Specialty works directly with brokers, agents and insurance carriers, and as such does not solicit insurance from the public. Some products may only be available in certain states, and some products may only be available from surplus lines insurers. In California: RSG Specialty Insurance Services, LLC (License #0G97516). ©2024 Ryan Specialty, LLC
Insurance Business America 5-Star Program Administrators

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