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Errors & Omissions

Why MAIA Insurance Programs?

MAIA understands when you purchase E&O insurance, you are purchasing a promise that your assets will be protected. We offer top quality standard programs for your coverage through Swiss Re, Utica and Allianz. These carriers have solid credentials with combined E&O experience of well over 100 years, and many more in the insurance industry. 

  • Broad coverage exclusive to our members and Missouri independent agents.
  • Access to Swiss Re, Utica National, Allianz and many more.
  • Competitive pricing.
  • Loss control credit, experience credit, audit credit and reduced deductibles.
  • In-house claims administering with qualified, well-trained, and professional claims handlers at your service. No conflict as to who their clients are: you, the insured.
  • High quality care and customer service by your state associations insurance administrators.
  • State and national association support. Always looking out for our members' best interests.
Get a Premium Indication 
Fill out our Quick Quote Form to get a premium indication from our carriers.

E&O Seminars

MAIA offers E&O seminars and webinars that can give you a loss control/risk management credit on your E&O policy with Swiss Re (formerly Westport), Utica and Allianz. Click here for more information. 



Hannah Wall

Customer Service Representative


Theresa Flippin, CISR, AIP

Director of Insurance Services


For more than 30 years, the Big "I" Professional Liability Program underwritten by Swiss Re Corporate Solutions America Insurance Corporation (formerly Westport), a member of Swiss Re Corporate Solutions (rated A+ Superior by A.M. Best), has been the premier choice of IIABA member agents for insurance agents and brokers E&O insurance.
The Big “I” Professional Liability Program offers not just a policy, but a comprehensive program for insurance agents. For nearly the past two decades the Big “I” Professional Liability Program has grown into the largest and most stable insurance agents E&O program in the nation. Our member agents and brokers nationwide look to the program for stable rates and a long-term market that they can rely on to protect their greatest assets—their businesses.

Working with our partners at Swiss Re Corporate Solutions, we have created one of the strongest coverage forms in the marketplace.  

Coverage Highlights

  • Coverage for the sale of both Property/Casualty and Life and Health insurance products
  • Limits of liability up to $20 million
  • Broad definition of covered professional services and activities
  • Comprehensive definition of who is an insured
  • Aggregate deductibles
  • Defense cost outside the limits
  • Available first dollar defense
  • Full prior acts available
  • No contractual liability exclusion
  • Coverage for punitive damages (where available by state)
  • Multiple extended reporting period options
  • True worldwide protection
  • Coverage for advertising, libel and slander
  • Catastrophe Extra Expense $25,000 per policy period
  • Crisis Management Coverage up to $20,000 per policy period
  • Subpoena Coverage limits up to $50,000 per policy period
  • 1st Party Personal Data Breach (cyber) $25,000 per policy period
  • 3rd Party Personal Data Breach (cyber) $1,000,000 sublimit
  • No consent to settle/hammer clause
  • Regulatory Defense coverage limit of $100,000 and in addition to limit
  • Deductible reduction up to $25,000 per claim for risk management activities
  • Insolvency Exclusion does not apply to carriers rated B or higher by A.M. Best 
  • In-house claims staff, primarily licensed attorneys. Your resource of help on claims or incidents
  • Auto Renewals available

Optional Coverages

  • Employment Practices Liability (EPLI)
  • Mutual Funds and Investment/Security Products
  • Employee Benefits Specialist
  • Human Resources Consultant
  • Safety Consultants
  • Real Estate E&O

Coverage Benefits

The only P/C insurance agents and brokers E&O program in the marketplace that contributes a percentage of every premium dollar to the funding of important advocacy efforts of the IIABA.
  • State associations that serve to assist you should a claim arise
  • Up to 15% risk management credits available
  • 10% credit available for agency audit
  • An exclusive policy form and premium credits filed on a Risk Purchasing Group basis to give Big "I" members coverage tailored to their needs
  • Competitive pricing supported by a critical mass of premium volume to maintain rate stability
  • A partner in Swiss Re Corporate Solutions, a member of the Swiss Re Group, rated A+ Superior by A.M. Best
  • An exclusive comprehensive risk management
    (eoguardian.comwebsite including practical information and tools to help your agency avoid E&O claims 
  • E&O Claims Advisor – a periodic E&O risk management newsletter available only to Swiss Re policyholders, providing valuable information to all positions in the agency
  • A Professional Liability Committee comprised of IIABA member agents to oversee and recommend enhancements to the program to meet the ever-changing needs of agents


Utica National Insurance Group (rated A Excellent by A.M. Best)  has been in the agents' E&O business - continuously - since 1966 and realizes that your agency's core assets aren't always on paper. We've provided legal defense for claims against agents that could have closed their agencies without this protection. And when you have the Utica program behind you, it reinforces with your clients your reputation for running a professional insurance organization.

Program Features
  • Policy limits available up to $20 million per loss, $21 million aggregate
  • Earn a 5% credit on your premium by attending approved courses, and earn an additional 5% by meeting certain other requirements
  • 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
  • Loss control services

Coverage Highlights

  • Full prior acts coverage for the named insured at no extra charge
  • Broad definition of insured includes leased/temporary persons as well as legal spouse, 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 coverage as well as Advertising and Personal Injury coverage for professional activities
  • Insolvency coverage provided for insurance carriers rated "B" or better at the time of placement
  • Dishonesty coverage provided subject to exclusion of participating insureds
  • Punitive and exemplary damages covered under definition of loss (where permitted by law)
  • Optional extended reporting period reinstates aggregate and offers options up to 10 years
  • Worldwide coverage (suit may be brought anywhere in the world)
  • Coverage up to $25,000 for response to a complaint of the defense of an investigation brought by
    • Insurance Department
    • State regulatory agency
    • Other government agency for "loss" covered by E&O policy
  • Coverage for a claim by an entity or individual which is wholly or partially owned, operated, managed or controlled by the insured; did wholly or partially own, operate, manage or control; or is wholly under the same ownership, operation, management or financial control as the insured provided the percentage of partial ownership, operation, management or control is 10% or less
  • Reduction of your deductible (Diminishing Deductible) as a result of current continuous claims free years of coverage; up to 50% credit of your deductible

Optional Coverages

  • Contingent Catastrophe extra expense
  • Employment Related Practices Liability (Third Party Liability now available)
  • Mutual Funds and variable annuities coverage and/or financial products coverage (subject to NASD license and products sold)
  • Real Estate errors and omissions
  • Third-party administrators E&O (claims loss adjusting)
  • Human Resources Consultants
  • Professional Employer Organization Marketing Services
  • Loan Origination


UticaPCApp2015.pdfPC Application (PC with LH)

UticaLHapp070108.pdfL&H Application (LH with PC)

Cyber Questionnaire

Utica Policy Specimen

Merger & Acquisition Toolkit


Utica Claim Reporting Guides 

Claims Phone: 800-274-1915

Claims Fax: 315-734-2605

With over 25 years' experience, Allianz is a dedicated, knowledgeable insurer of insurance agents’ needs – yesterday, today and tomorrow.

Coverage Highlights

  • Rated A+ Excellent by A. M. Best and written on admitted paper
  • Dedicated claims staff focuses exclusively on insurance E&O claims
  • Up to 10% loss control credits available
  • Long-standing market player in Agents E&O 
  • Coverage for the sale of both Property/Casualty and Life & Health agents
  • Choice of three endorsements for sale of financial services products
  • Broad definition of covered professional services and activities  
    •  Available first dollar defense  
    •  Policy limits available up to $10,000,000
  • Aggregate deductible applies
  • Expert witness testimony covered
  • Protection for when you train, manage or supervise a client in the selling of insurance products
  • Market-quality insolvency coverage
  • Broad definition of  “who is an insured”
  • Retroactive coverage and multiple extended reporting periods offered
  • Three-tiered employment practices liability offered by endorsement
  • $10,000/$30,000 catastrophe claims extra expense included with no additional premium
  • $35,000 regulatory investigation defense expense coverage per policy
  • Up to 60 days after end of policy period to report claims and purchase extended reporting provision
  • Immediate predecessor firm coverage
  • Supplementary payments of $500 per day for expenses incurred in aiding in the defense of a claim
  • The Allianz policy offers broad coverage tailored to insurance agencies.
  • Coverage options for Cyber and Crime available.


Fireman'sFundAllianzApplication.pdfAllianz Application

Allianz Protect Policy Specimen

New Policy Changes 2019


AllianzClaim Reporting Instructions.pdfAllianz Claim Reporting

 Claims Phone: 888-347-3428

Does your agency not fit into our three standard E&O carrier programs? No worries. Many agencies either specialize or market varied insurance products that make their needs more tailored to E&O carriers that can cover their unique needs.

In addition to our Swiss Re, Utica and Allianz programs, MAIA has access through its brokerage arrangements to coverage through numerous financially-strong carriers. These carriers write many insurance agencies that just don't fit into our other programs.

Because we have a large book of insurance agents errors and omissions insurance, we have excellent relationships with our markets. As your advocate, we can often negotiate better terms with the insurance carriers and offer outstanding coverage options.

MAIA has access to many companies that offer professional liability to insurance agents. Our markets write standard agents, agents with claims activity, or specialty agents.

Insurance Agents Errors and Omissions Insurance potential program features include:

  • Duty to defend
  • Defense costs in addition to the limits of liability
  • First dollar defense coverage
  • Coverage for independent contractors
  • Broad definition of covered services
  • Low minimum premiums
  • Prior acts coverage to match expiring
  • Coverage for personal injury
  • Insolvency coverage carve backs or no exclusion in some cases
  • Excess options
  • Coverage for MGAs, TPAs, Reinsurance Intermediaries, Claims Adjustors, Insurance Inspectors, Premium Finance Companies
  • All our carriers are rated A- or better by A.M. Best

MAIA has available numerous other carriers that may be the right fit for your agencys specific needs. Contact one of our dedicated account managers to discuss your agencys errors and omissions needs, and allow us to provide you quotes from our carrier partners.