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Miscellaneous Errors & Omissions

Miscellaneous Professional Liability

» Miscellaneous Professional Liability Insurance APPLICATION

» Miscellaneous Professional Liability Insurance POLICY

» Independent medical examiners – IME

 
Insurance Agents E&O
» Insurance Agents and Brokers E&O Application
errors & omissions

Miscellaneous Errors & Omissions (E&O) and Insurance Agents E&O

Miscellaneous professional liability, sometimes called errors and omissions (E&O) liability results from errors or omissions that are committed during the course in the performance of professional services. Companies that perform professional services for others can make mistakes, overlook a critical piece of information, misstate a fact, be misunderstood, forget to do something, lose something, and be sued by their clients over allegations such as:

  • Error, omission, or negligence in providing a service.
  • Failure to provide a service.
  • Improper documentation
  • Malpractice
  • Mismanagement
  • Misrepresentation of facts
  • Nondisclosure
  • Violations of state and federal law (e.g., securities violations, violation of right to privacy, etc.).
  • And other allegations.

Insurance Agents E&O

The Stateside Underwriting Agency insurance agents E&O program, is geared toward insurance risks writing a majority in the personal lines and/or with some commercial lines (minimal life & health lines will be considered on a case by case basis.  No bonds, or variable life/annuities will be considered).

If an insurance risk is a start-up, the insured is required to be licensed with at least 3 years of insurance experience to qualify for the SUA insurance agents E&O program.

  • Coverage for the SUA insurance agents E&O program includes the following:
  • coverage for independent contractors is included in the SUA insurance agents E&O program
  • An insolvency carve-back for carriers with a B++ or higher rating is included in the SUA insurance agents E&O program
  • Regulatory Action Expense Coverage, with no application of deductible up to $25,000 is included in the SUA insurance agents E&O program
  • The SUA insurance agents E&O program includes Worldwide coverage if suit is brought in the United States or Canada.

  • Minimum premium for the SUA insurance agents E&O program: $1500
  • Minimum deductible for the SUA insurance agents E&O program: $2500
  • Maximum limits for the SUA insurance agents E&O program: up to $3mil

Defense outside the limits can be considered on a case by case basis in the SUA insurance agents E&O program.

Excluded states for the SUA insurance agents E&O program include Alabama, Louisiana, Hawaii and Alaska.

In most cases we can quote and bind off a third party application in the SUA insurance agents E&O program.

Overview Classes Application

Errors and omissions for Expert Medical Witness (Excluding Medical Examinations)
Errors and omissions for Medical Management Consultant
Errors and omissions for Medical Case Manager
Errors and omissions for Medical Records Administrator
Errors and omissions for Practice Management
Errors and omissions for independent medical examiners

 

Here’s an example of a Miscellaneous Professional Liability claim:

A consulting firm was hired by a credit-card company to send pre-approved credit card applications to two groups. One group had an excellent credit history and was to be offered low interest, high-limit credit. The other group had a poor credit history and was to be offered high interest, low-limit credit. The firm sent the “excellent credit” applications to the group with a poor credit history and the response to the mailing was immense. The credit card company sued the firm for negligence over the error. The firm incurred defense and settlement costs of more than $500,000.

 

Complete Listing Of All Miscellaneous Classes

  • Abattoir Errors and Omissions Insurance (E&O)
  • Acoustic Errors and Omissions Insurance (E&O)
  • Actors Errors and Omissions Insurance (E&O)
  • Actuaries Errors and Omissions Insurance (E&O)
  • Adjusters Errors and Omissions Insurance (E&O)
  • Advertising Agents & Consultants Errors and Omissions Insurance (E&O)
  • Advertising Services Errors and Omissions Insurance (E&O) *
  • Aerial Surveyors Errors and Omissions Insurance (E&O)
  • Agricultural Consultants Errors and Omissions Insurance (E&O)
  • Agronomists Errors and Omissions Insurance (E&O)
  • Alarm Monitoring Services Errors and Omissions Insurance (E&O)
  • Analytical Research & Laboratories Errors and Omissions Insurance (E&O)
  • Animal & Pet Services Errors and Omissions Insurance (E&O)
  • Answering Services Errors and Omissions Insurance (E&O)
  • Anthologist Errors and Omissions Insurance (E&O)
  • Anthropologist Errors and Omissions Insurance (E&O)
  • Antique Dealers & Restorers Errors and Omissions Insurance (E&O)
  • Arbitrators, Judges & Mediators Errors and Omissions Insurance (E&O)
  • Archaeologists Errors and Omissions Insurance (E&O)
  • Aromatherapists Errors and Omissions Insurance (E&O)
  • Art Appraisers, Valuers & Restorers Errors and Omissions Insurance (E&O)
  • Artists Errors and Omissions Insurance (E&O)
  • Associations Errors and Omissions Insurance (E&O)
  • Auctioneers/Auction Houses Errors and Omissions Insurance (E&O)
  • Audiologists Errors and Omissions Insurance (E&O)
  • Bacteriologists Errors and Omissions Insurance (E&O)
  • Bailiffs Errors and Omissions Insurance (E&O)
  • Beauticians Errors and Omissions Insurance (E&O)
  • Bell Ringers Errors and Omissions Insurance (E&O)
  • Biochemical Therapists Errors and Omissions Insurance (E&O)
  • Biologists Errors and Omissions Insurance (E&O)
  • Blacksmiths Errors and Omissions Insurance (E&O)
  • Boat & Shipping Services Errors and Omissions Insurance (E&O)
  • Boat Registrars Errors and Omissions Insurance (E&O)
  • Bookkeepers Errors and Omissions Insurance (E&O)
  • Broadcasting Services Errors and Omissions Insurance (E&O)
  • Brokers Errors and Omissions Insurance (E&O)
  • Building Surveyors & Consultants Errors and Omissions Insurance (E&O)
  • Business Brokers / Managers Errors and Omissions Insurance (E&O)
  • Business Transfer Agents Errors and Omissions Insurance (E&O)
  • Case Administrator Errors and Omissions Insurance (E&O)
  • Charities Errors and Omissions Insurance (E&O)
  • Chartered Secretaries Errors and Omissions Insurance (E&O)
  • Chauffeurs & Driving Services Errors and Omissions Insurance (E&O)
  • Chefs & Cooking Services Errors and Omissions Insurance (E&O)
  • Chimney Sweeps Errors and Omissions Insurance (E&O)
  • Cholesterol Testors Errors and Omissions Insurance (E&O)
  • Cladding & Coating Specialists Errors and Omissions Insurance (E&O)
  • Claims Adjusters & Administrators Errors and Omissions Insurance (E&O) *
  • Cleaning Services Errors and Omissions Insurance (E&O)
  • Coaches Errors and Omissions Insurance (E&O)
  • Comedians Errors and Omissions Insurance (E&O)
  • Communication & Network Consultants Errors and Omissions Insurance (E&O)
  • Component Testing Errors and Omissions Insurance (E&O)
  • Computer Bureaux Errors and Omissions Insurance (E&O)
  • Computer Consultants Errors and Omissions Insurance (E&O)
  • Computer Services / Data Processors Errors and Omissions Insurance (E&O) *
  • Computer Supervision Errors and Omissions Insurance (E&O)
  • Conservation Consultant Errors and Omissions Insurance (E&O)
  • Construction Managers Errors and Omissions Insurance (E&O) *
  • Consultants Errors and Omissions Insurance (E&O)
  • Consultants N.O.C Errors and Omissions Insurance (E&O)
  • Consulting Motor Engineers Errors and Omissions Insurance (E&O)
  • Consumer Services Errors and Omissions Insurance (E&O)
  • Contest Managers Errors and Omissions Insurance (E&O)
  • Conveyances Errors and Omissions Insurance (E&O)
  • Co-Ordination Errors and Omissions Insurance (E&O)
  • Copywriters Errors and Omissions Insurance (E&O)
  • Corporate Entertainment Agents Errors and Omissions Insurance (E&O)
  • Cost Control Consultants Errors and Omissions Insurance (E&O)
  • Counseling Services Errors and Omissions Insurance (E&O)
  • Counsellors Errors and Omissions Insurance (E&O)
  • Court Reporters Errors and Omissions Insurance (E&O) *
  • Credit Bureaus Errors and Omissions Insurance (E&O) *
  • Credit Reference Agents Errors and Omissions Insurance (E&O)
  • Custom House Brokers Errors and Omissions Insurance (E&O) *
  • Data Processors Errors and Omissions Insurance (E&O)
  • Database Managers Errors and Omissions Insurance (E&O)
  • Debt Collectors, Counsellors, Consultants Errors and Omissions Insurance (E&O)
  • Demolition Consultants Errors and Omissions Insurance (E&O)
  • Design And Consulting Depts. Of Contractors Errors and Omissions Insurance (E&O)
  • Design Consultants Errors and Omissions Insurance (E&O)
  • Disaster Recovery Consultants Errors and Omissions Insurance (E&O)
  • Document Storage & Destruction Services Errors and Omissions Insurance (E&O)
  • Domestic Services Errors and Omissions Insurance (E&O)
  • Economists Errors and Omissions Insurance (E&O)
  • Editors & Processors Of Film, Video, Sound & Written Word/Music Errors and Omissions Insurance (E&O)
  • Educational Consultants Errors and Omissions Insurance (E&O)
  • Electrical Appliance Testers Errors and Omissions Insurance (E&O)
  • Electrical Design Services Errors and Omissions Insurance (E&O)
  • Electricians Errors and Omissions Insurance (E&O)
  • Elevator & Lift Services Errors and Omissions Insurance (E&O)
  • Employee Relations Consultants Errors and Omissions Insurance (E&O)
  • Employment Agents Errors and Omissions Insurance (E&O)
  • Enquiry Agents Errors and Omissions Insurance (E&O)
  • Environmental Consultants Errors and Omissions Insurance (E&O)
  • Entomologist Errors and Omissions Insurance (E&O)
  • Escrow Errors and Omissions Insurance (E&O)
  • Escrow Agents Errors and Omissions Insurance (E&O) *
  • Event Specialists Errors and Omissions Insurance (E&O)
  • Executive Recruiters Errors and Omissions Insurance (E&O)
  • Exercise Services Errors and Omissions Insurance (E&O)
  • Exhibition, Conference & Banquet Organisers Errors and Omissions Insurance (E&O)
  • Expert Medical Witness (Excluding Medical Examinations) Errors and Omissions Insurance (E&O) (application)
  • Expert Witness Errors and Omissions Insurance (E&O)
  • Export & Customs Agents & Consultants Errors and Omissions Insurance (E&O)
  • Farm Managers Errors and Omissions Insurance (E&O)
  • Fashion Services Errors and Omissions Insurance (E&O)
  • Fencing Consultant Errors and Omissions Insurance (E&O)
  • Film Crew Errors and Omissions Insurance (E&O)
  • Fire Control Specialists Errors and Omissions Insurance (E&O)
  • Fisherman/Women / Consultant Errors and Omissions Insurance (E&O)
  • Fish Consultant Errors and Omissions Insurance (E&O)
  • Florists Errors and Omissions Insurance (E&O)
  • Flood Control Consultant Errors and Omissions Insurance (E&O)
  • Food Inspectors Errors and Omissions Insurance (E&O)
  • Forensic & Accident Investigators Errors and Omissions Insurance (E&O)
  • Forensic Analysts Errors and Omissions Insurance (E&O)
  • Forestry Consultants Errors and Omissions Insurance (E&O)
  • Franchisers Errors and Omissions Insurance (E&O)
  • Freight Container Surveyors & Inspectors Errors and Omissions Insurance (E&O)
  • Freight Forwarders Errors and Omissions Insurance (E&O)
  • Futurists Errors and Omissions Insurance (E&O)
  • Gardner Errors and Omissions Insurance (E&O)
  • Geologists Errors and Omissions Insurance (E&O)
  • Grant Administrators Errors and Omissions Insurance (E&O)
  • Graphic Designers Errors and Omissions Insurance (E&O)
  • Graphoanalysis Errors and Omissions Insurance (E&O)
  • Guards Errors and Omissions Insurance (E&O)
  • Habitat Consultant Errors and Omissions Insurance (E&O)
  • H.V.A.C. & Plumbing Consultants Errors and Omissions Insurance (E&O)
  • Hair Replacement Errors and Omissions Insurance (E&O)
  • Hairdresser Errors and Omissions Insurance (E&O)
  • Health & Safety Consultants Errors and Omissions Insurance (E&O)
  • Health Screening Errors and Omissions Insurance (E&O)
  • Heating, Ventilating & Air Conditioning Errors and Omissions Insurance (E&O)
  • Home Help Errors and Omissions Insurance (E&O)
  • Horticultural Consultants Errors and Omissions Insurance (E&O)
  • Hotel & Hostel Services Errors and Omissions Insurance (E&O)
  • House Moving Services Errors and Omissions Insurance (E&O)
  • Human Resources Consultants Errors and Omissions Insurance (E&O)
  • independent medical examiners Errors and Omissions Insurance (E&O) (application)
  • Industrial Occupational Errors and Omissions Insurance (E&O)
  • Inoculation/Travel Centre Errors and Omissions Insurance (E&O)
  • Inspection Services (Quality & Quantity) Errors and Omissions Insurance (E&O)
  • Inspectors Errors and Omissions Insurance (E&O)
  • Insurance Adjusters & Surveyors Errors and Omissions Insurance (E&O)
  • Insurance Brokers Errors and Omissions Insurance (E&O)
  • Insurance Consultants Errors and Omissions Insurance (E&O)
  • Interior Designers Errors and Omissions Insurance (E&O)
  • Interpreters Errors and Omissions Insurance (E&O)
  • Investigators Errors and Omissions Insurance (E&O)
  • Iron Mongers & Scrap Metal Merchants Errors and Omissions Insurance (E&O)
  • It Consultants Errors and Omissions Insurance (E&O)
  • Jewellers Errors and Omissions Insurance (E&O)
  • Jewellery Appraisers & Valuers Errors and Omissions Insurance (E&O)
  • Journalists Errors and Omissions Insurance (E&O)
  • Judges & Magistrates Errors and Omissions Insurance (E&O)
  • Land Owner / Manager Errors and Omissions Insurance (E&O)
  • Land Surveyors Errors and Omissions Insurance (E&O)
  • Landscape Architects Errors and Omissions Insurance (E&O)
  • Landscape Gardners Errors and Omissions Insurance (E&O)
  • Learning Services Errors and Omissions Insurance (E&O)
  • Lease Brokers Errors and Omissions Insurance (E&O)
  • Legal Draftsman Errors and Omissions Insurance (E&O)
  • Licensing Services Errors and Omissions Insurance (E&O)
  • Lighting Services Errors and Omissions Insurance (E&O)
  • Literary Agents Errors and Omissions Insurance (E&O)
  • Livestock Agents, Auctioneers & Consultants Errors and Omissions Insurance (E&O)
  • Loss Adjusters Errors and Omissions Insurance (E&O)
  • Loss Prevention Inspectors Errors and Omissions Insurance (E&O)
  • Mail & Courier Services Errors and Omissions Insurance (E&O)
  • Management Consultants Errors and Omissions Insurance (E&O)
  • Managers Errors and Omissions Insurance (E&O)
  • Marine Arbitrators Errors and Omissions Insurance (E&O)
  • Marine Surveyors Errors and Omissions Insurance (E&O)
  • Market Research Services Errors and Omissions Insurance (E&O)
  • Mechanical & Maintenance Services Errors and Omissions Insurance (E&O)
  • Medical Case Manager Errors and Omissions Insurance (E&O) (application)
  • Medical Management Consultant Errors and Omissions Insurance (E&O) (application)
  • Medical Records Administrator Errors and Omissions Insurance (E&O) (application)
  • Meeting Planners Errors and Omissions Insurance (E&O)
  • Messengers Errors and Omissions Insurance (E&O)
  • Metallurgical Inspection & Testing Errors and Omissions Insurance (E&O)
  • Micro-Filming & Record Bureau Errors and Omissions Insurance (E&O)
  • Models Errors and Omissions Insurance (E&O)
  • Mortgage Brokers Errors and Omissions Insurance (E&O) *
  • Navigation/Navigators Errors and Omissions Insurance (E&O)
  • Noise Pollution Control Services Errors and Omissions Insurance (E&O)
  • Non-Destructive Testing Errors and Omissions Insurance (E&O)
  • Notaries Errors and Omissions Insurance (E&O)
  • Notaries Public Errors and Omissions Insurance (E&O) *
  • Outplacement Services Errors and Omissions Insurance (E&O)
  • Paralegals Errors and Omissions Insurance (E&O)
  • Patent Searcher Errors and Omissions Insurance (E&O)
  • Pension / Actuarial Consultant Errors and Omissions Insurance (E&O)
  • Performers Errors and Omissions Insurance (E&O)
  • Photographers Errors and Omissions Insurance (E&O)
  • Photographic Services Errors and Omissions Insurance (E&O)
  • Planning Supervisors Errors and Omissions Insurance (E&O)
  • Pollution Consultants/Services Errors and Omissions Insurance (E&O)
  • Polygraph Operators* Errors and Omissions Insurance (E&O) *
  • Practice Management Errors and Omissions Insurance (E&O) (application)
  • Premium Finance Companies Errors and Omissions Insurance (E&O) *
  • Printers And Publishers Errors and Omissions Insurance (E&O)
  • Process Servers Errors and Omissions Insurance (E&O) *
  • Project & Contract Management Errors and Omissions Insurance (E&O)
  • Project Managers Errors and Omissions Insurance (E&O)
  • Proof Readers Errors and Omissions Insurance (E&O)
  • Property Managers Errors and Omissions Insurance (E&O)
  • Public Relations Consultants Errors and Omissions Insurance (E&O)
  • Public Relations Firms Errors and Omissions Insurance (E&O)
  • Radio Services Errors and Omissions Insurance (E&O)
  • Recovery Services Errors and Omissions Insurance (E&O)
  • Recreational Consultants Errors and Omissions Insurance (E&O)
  • Recycling Services Errors and Omissions Insurance (E&O)
  • Referee Errors and Omissions Insurance (E&O)
  • Removal Services Errors and Omissions Insurance (E&O)
  • Researchers / Referral Services Errors and Omissions Insurance (E&O)
  • Resource Management Errors and Omissions Insurance (E&O)
  • Relocation Services Errors and Omissions Insurance (E&O)
  • Restoration Consultant Errors and Omissions Insurance (E&O)
  • Re-Vegetation Consultant Errors and Omissions Insurance (E&O)
  • Risk Management Errors and Omissions Insurance (E&O)
  • Sales Promotion Consultants Errors and Omissions Insurance (E&O)
  • Secretarial Services Errors and Omissions Insurance (E&O)
  • Self Help Groups Errors and Omissions Insurance (E&O)
  • Setting-Out Engineers Errors and Omissions Insurance (E&O)
  • Status Research & Reference Agents Errors and Omissions Insurance (E&O)
  • Storage Services Errors and Omissions Insurance (E&O)
  • Surveillance & Search Services Errors and Omissions Insurance (E&O)
  • Surveyors Errors and Omissions Insurance (E&O)
  • Tax Consultants Errors and Omissions Insurance (E&O)
  • Tax Preparers Errors and Omissions Insurance (E&O)
  • Taxidermists Errors and Omissions Insurance (E&O)
  • Taxi's & Taxi Services Errors and Omissions Insurance (E&O)
  • Telecommunications Consultants Errors and Omissions Insurance (E&O)
  • Telephonists Errors and Omissions Insurance (E&O)
  • Television & Video Services Errors and Omissions Insurance (E&O)
  • Temporary Help (Non Medical) Errors and Omissions Insurance (E&O)
  • Testing Labs Errors and Omissions Insurance (E&O)
  • Thermal & Insulation Consultants Errors and Omissions Insurance (E&O)
  • Title Abstractors Errors and Omissions Insurance (E&O) *
  • Title Agents Errors and Omissions Insurance (E&O) *
  • Tourist Information Consultants Errors and Omissions Insurance (E&O)
  • Town Planners Errors and Omissions Insurance (E&O)
  • Trade Associations & Federations Errors and Omissions Insurance (E&O)
  • Trade Valuers Errors and Omissions Insurance (E&O)
  • Traffic Consultants Errors and Omissions Insurance (E&O)
  • Training Services Errors and Omissions Insurance (E&O)
  • Transcriber Errors and Omissions Insurance (E&O)
  • Translators Errors and Omissions Insurance (E&O)
  • Transport Consultants Errors and Omissions Insurance (E&O)
  • Travel Agents Errors and Omissions Insurance (E&O)
  • Asteerisk Errors and Omissions Insurance (E&O)
  • Tree Surgeons & Timber Errors and Omissions Insurance (E&O)
  • Trustees Errors and Omissions Insurance (E&O)
  • Undertakers & Morticians Errors and Omissions Insurance (E&O)
  • University, Polytechnic Consultancy & Research Errors and Omissions Insurance (E&O)
  • Urban & Land Economic Consultants Errors and Omissions Insurance (E&O)
  • Valuers Errors and Omissions Insurance (E&O)
  • Voluntary Workers Errors and Omissions Insurance (E&O)
  • Warranty Administrators / Agents Errors and Omissions Insurance (E&O)
  • Waste Collectors & Specialists Errors and Omissions Insurance (E&O)
  • Water & Land Drainage Specialists Errors and Omissions Insurance (E&O)
  • Water Supply Consultants Errors and Omissions Insurance (E&O)
  • Weather Analysis Errors and Omissions Insurance (E&O)
  • Writers Errors and Omissions Insurance (E&O)
  • Yacht & Commercial Craft Surveyors Errors and Omissions Insurance (E&O)
  • Yacht Brokers Errors and Omissions Insurance (E&O)
  • Zoo's/Zoologists Errors and Omissions Insurance (E&O)

NOTE: The * denotes that this class listed has additional coverage endorsement to be applied.

 


CLAIM DETERMINATION...Any claim is subject to the actual policy wording/endorsements and the coverage for a claim shall be determined using the policy wording.

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