MGA Select Enrollers Sponsored E&O Program

This Errors and Omissions Insurance Plan is designed exclusively for hired per diem or commission-based enrollers only.

Basic coverage starts at just $22.00 per month with $79.00 down, or a one time payment of $261.00 based on lowest 12 month pricing option. Actual pricing may be prorated based on effective date of coverage.

Apply For Your E&O Coverage Now! Download Policy State Policy Endorsements


Program Eligibility

  • You must have an active life and/or health insurance license to be eligible for coverage

Program Features

  • This coverage is intended for hired per diem or commission-based enrollers only. Coverage is NOT intended for the broker on the benefit plan. The plan is an annual-renewable claims-made policy. Claims-made financial services professional liability coverage limited to services provided as an enrollment specialist.
  • Coverage under this program is offered on a claims made basis. The policy will only cover claims first made against the Insured and reported to the Insurer during the certificate period. The agent must not have had knowledge of the claim or circumstances likely to result in a claim at the effective date of coverage.
  • This policy applies to an act, error or omission which takes place anywhere in the world, provided that the claim is made and suit is brought against the Insured in the United States of America.
  • Instant certificate of insurance for qualified applicants

Coverage Liability Limit Options

  • $500K per claim / $500K annual aggregate
  • $1 Million per claim / $1 Million annual aggregate


  • $250 deductible for claims arising from the enrollment of group benefits and/or life & health products and services in the worksite marketing environment.

Payment Options

  • Pay in full or choose monthly payments via credit card or electronic funds transfer (EFT)

Program Underwriter

  • CNA is a registered trademark of CNA Financial Corporation; a Continental Casualty Company. All rights reserved. Please remember that only the relevant insurance policy can provide the actual terms, coverages, amounts, conditions and exclusions for an insured. All products and services may not be available in all provinces and may be subject to change without notice.

Program Administrator



Rate Calculator

This is an annual policy which renews 12 months from your selected effective date. Pricing includes premium, applicable administrative fees, taxes and doc stamps. Down payment includes one month's premium, admin fees, taxes, doc stamps and a $5.00 monthly processing fee. Monthly payments include one month's premium and $5.00 processing fee and will begin the third business day of the month after the enrollment effective date. Policy is subject to minimum earned premium equal to one month of premium. Administrative fees and minimum earned premium are non-refundable.



We value your feedback!

If you've had a positive experience with Gallagher MGA, or you have suggestions on how we can better serve you, please complete our Customer Satisfaction Survey.

"I am surprised at how easy it was to apply for E&O insurance and the fact that it showed me less expensive options! Great service!"

Theodora Richardson of Fairlawn, OH

"Where have you been all these years?!"

Noel Spencer of Newburgh, NY

"Service was great with quick response and competitive premium pricing."

Corbett Hankins of Bolivia, NC

"This site was awesome! I will recommend you to everyone."

James Hendon of Los Angeles, CA

"Very easy for a new agent."

Neil Paul of Biloxi, MS

"Very easy website! Made it so simple. :)"

Darcy Neils of Rancho Santa Fe, CA

"Easy experience. Nice presentation."

Dana Franks of Lubbock, TX

"Prompt attention, prompt answer.... no problems here. Good job."

Gail Rowell of Braselton, GA

"It appears to me that the people are well-trained and knowledgeable."

Kenneth Anderson of Cheshire, CT

"Your CSR was a big help to me!!"

Rodney Daniels of Mesa, AZ

"A great company."

James Rucker of Irmo, SC

"It was certainly a pleasure to have you assist me with my problem; you found my account quickly, identified with my problem, and took the necessary information to correct the issue expeditiously. I highly recommend you as an E & O source to my friends in the insurance business. I have always found your representatives to be informed and very competent. Keep up the good work!!"

Evelyn Baker of Jonesboro, AR

"I appreciated the CSR's help in taking my payment and then I called back about getting into the site to print my certificate and the gentlemen I talked with helped me with that. Then, he emailed me a copy! I was very impressed with that service…"

Janice Nickerson of Fort Mill, SC

"Your site was very easy to use and read. Thanks."

Paul Da Costa of North Port, FL

"Great service provider for E&O."

Robert Salamone of Phoenix, AZ

"The customer service representative was very helpful to upgrade my policy. He was very quick to call in response to my initial email. He followed up to help me with the process to make the changes. Very much appreciated."

Stan Washburn of Highlands Ranch, CO

"Website very user friendly. Thank you."

Katherine Fittante of Antigo, WI

"Easy and fast."

Gerald Thornton of Bullhead City, AZ

"I was well-pleased with the way I was treated."

De Roy Golden of Channelview, TX

"Seemed easy enough to access and complete the application."

Gary Wolz of Lee's Summit, MO

"Although, your website handled my service call completely, this time. I want to say, when I have had to call in at the last minute for assistance, your representative has been there for me and handled the service I needed professionally and with courtesy. She is a great asset for you."

George Bailey of Tucker, GA

"I appreciate having a person answer the phone and assist me. Thank you."

Charlotte Nealey of Stony Point, NC

"Nice and easy!!"

Tom Massey of Abilene, TX

"Excellent service. Received notice of renewal well in advance, auto pay set up was clear, and the ability to get renewal certificate was very easy. Made renewing my E&O a pleasure. Keep up the good work!"

Edward Kamiya of Gardena, CA

"Ease of application was great. Thank you."

Marcy Parrish of Springfield, OR


Don't lose your prior acts coverage!

Set your FREE E&O renewal reminder

It is extremely important that you understand the crucial need to avoid "gaps" of any kind in your E&O coverage. If you allow any gap to occur, even a gap of 1 day, between one policy's expiration and the next policy's effective date, you could lose years of prior acts protection.

You should know...

As an insurance sales agent, your E&O insurance coverage could be your most important investment. Protecting yourself from the expense of a potential lawsuit or legal action is critical.

Claim Prevention Tips

Experience the MGA difference!

  • Coverage Flexibility
    Why pay additional for coverage on products you don't write? With this policy, you have the flexibility to choose the coverages that are right for you.
  • A-Rated Carrier
  • Monthly Payment Options
    Pay in full or choose monthly payments via credit card or electronic funds transfer (EFT).
  • Easy Online Application
    No long paper applications. Online enrollment takes just minutes!
  • Incredibly Affordable!
    Coverage starts at just $22.00 per month.

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