Compare
your current Agents and Brokers Errors & Omission Coverage
to Utica Mutual's superior program which provides:
Utica
Mutual
E&O
Your
Current
E&O
Standard
Policy Coverages
Operations
covered include property and casualty, life,
accident and health (also includes loss control services,
notary services, property appraisals for insureds,
expert witness, and instructor of insurance subjects)
Full
prior acts coverage for the named insured at no extra
charge*
Broad
definition of insured includes legal spouse as well as
former insureds and independent contractors
Defense
cost in addition to limits of liability
Coverage
provided for any newly acquired or formed organization
(coverage afforded for 90 days)
First
dollar defense coverage (optional loss and litigation
deductible*)
Aggregate
deductible caps your annual deductible exposure
Consent
to Settle clause prevents claims settlement without your
approval
Contractual
liability covered
Insolvency
coverage provided for insurance carriers rated "B" or better
at the time of placement (coverage available for self-insurance
programs subject to financial review)
Dishonesty
coverage provided subject to exclusion of participating
insureds
Punitive
and exemplary damages covered under definition of loss (where
permitted by law)
Advertising
and personal injury coverage for professional activities
Optional
extended reporting period reinstates aggregate and offers
options up to 10 years
Worldwide
coverage (suit may be brought anywhere in the world)
Also
covered are reasonable expenses incurred by you at our
request to assist in claim or suit defense or investigation (up
to $250 a day loss of earnings)
Utica
Mutual
E&O
Your
Current
E&O
Optional
Coverages —
Several additional optional coverages are available
for:*
Contingent
Catastrophe Extra Expense
Employment
Related Practices Liability
Financial
Products
Mutual
Funds and Variable Annuities
Real
Estate Agents Errors and Omissions
Endorsements
for both Loan Origination and PEO exposures
Third-Party
Administrators E&O (claims loss adjusting)
Utica
Mutual
E&O
Your
Current
E&O
Additional
Program Features
Policy
limits available up to $20 million per loss, $21 million
aggregate*
Up to 10% loss control credits available.
Now more agencies can qualify. ("Get the credit you deserve!")
A
variety of payment options available, including EFT
Direct
access to underwriting and claims specialists who are
devoted exclusively to your E&O program as a Utica
Mutual insured
*
Subject to underwriting approval. Availability
varies by state. (Review actual policy forms for full details
of coverage.)
Utica
Mutual is rated "A-" or "Excellent" by A.M.
Best - Dedicated Agents & Brokers E&O carrier
since 1966.
Important
Information about E&O Applications
Applying
for Errors & Omissions coverage has never been easier. Qualifying
agents and brokers may now complete our Online E&O Application
for new or renewal business.* Applications are provided in Adobe®
Acrobat® Portable Document Format (PDF) which requires
the use of Adobe® Acrobat® Reader software
in order to view and print PDF files. Download your free copy
of Acrobat® Reader by selecting the icon.
