E&O Life & Health

Utica National Agent's Errors and Omissions Program

Your life and health agency is different from a property and casualty agency and so are your exposures. That’s why you need agents’ errors and omissions (E&O) coverage designed specifically for your type of operation. As a life and health agent, we provide the coverage you need while incorporating enough flexibility and optional coverages to remain affordable. We’ve been writing insurance agents’ errors and omissions coverage for over 50 years.



You might find lower priced E&O coverage elsewhere, but bargain-basement insurance can be ruinous to your agency in the event of a claim.



Don’t go without the protection you need. We offer:

  • First Dollar Defense Coverage. This coverage pays legal expenses -- the deductible applies to the loss only. As an option, we offer a loss plus litigation expense deductible.
  • Full Prior Acts Coverage. Unlike some policies, our E&O policy provides full prior acts coverage at no extra charge. This coverage is subject to underwriting approval.
  • Defense Costs in Addition to Limits of Liability. Your limit of liability is available to pay for any judgments against you.  Defense costs do not fall within the limit of liability.
  • No Contractual Liability Exclusion.* We do not exclude losses that are generated by contracts that the insured signs and there is no extra charge for this.


*Availability varies by state