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). For those customers that select the monthly payment option, your credit card or EFT will be processed on the 3rd business day of each month.

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.

"Your representative helped me walk through the application process and directed me to a product. "

Wickham Smith of Irvine, CA

"Excellent customer service provided by a well-trained and professional staff."

Clifton Beavers of Mays Landing, NJ

"I have worked mostly through the chat option. Everyone that I have worked with has been a great help. I handle all the E&O certs here in our office so I stay busy making sure everything is updated and they have always been terrific in helping me when I needed it. Kudos to you all!"

Carol Davis of Knoxville, TN

"The rep that answered the phone was very professional and had great customer service skills. Overall, she was very friendly and because of that I purchased my E&O through you."

Melissa Lumbreras of San Antonio, TX

"This the BEST website I ever used period! Thank you."

Cheryl Bailey of Baltimore, MD

"Well done, MGA. Well done."

Marty Heppinstill of Highlands Ranch, CO

"Found your site to be very user frindly and I look forward to doing business with your firm."

Leon Daniels of Hampstead, NC

"Best prices I've ever seen for E&O!!! Thanks."

Tim Reynolds of Clearwater, FL

"Service and functionality was outstanding!"

Ken Bell of Fort Smith, AR

"The CSR handled my concern. She was very courteous and competent."

Rex Michel of Ft. Wayne, IN

"I was assisted by your CSR and he was very helpful in getting me registered for my E&O coverage."

Minerva Allen of Orlando, FL

"A totally smooth transaction. Well done!!!"

James Monroe of Oconomowoc, WI

"Your rep was a great help with getting the E&O certificate completed and obtained for print-out through email. He gave us his contact info in case we ever need his help again. We appreciate him!"

Jan Bliek of Hull, IA

"I am satisfied and will continue to use your products."

Chia Chao of Sugar Land, TX

"MGA is very efficient. I have been getting my E&O from them for years. They are prompt and accurate."

Marcia Rabaiotti of Riverside, RI

"The rep was great at customer service. He answered all my questions very well, emailed me the form to fill out, and sent a reply in the same afternoon that I applied for the Errors & Ommissions insurance. Thank you!"

Cindy Ladyman of Bloomington, IN

"Thank you for being so easy!"

Cathy Chestnutt of Clarkston, WA

"I was assisted very quickly... I would definitely recommend your services to others."

Tim Finefrock of Reston, VA

"Your CSR had an excellent customer service! I appreciate her help. Thank you."

Adriana Serena of Parker, CO

"I have been offered E&O from other companies. Some of the other premiums were a bit lower. However, MGA has always been available when I needed assistance. I have never needed to make a claim. After 10+ years, I am happy with MGA."

Jim Rakvica of Ft. Lauderdale, FL

"I really like the ease of using this website. Very easy to understand."

Joe Story of Tomahawk, WI

"Easy to apply."

Rian Alwens-Estok of Erie, PA

"Your company is great ... ease of renewal and good premiums. Thanks."

Joanne Cleary of Cable, WI

"Very easy, fast and effective."

William Leonard of Castle Rock, CO

"The person that called was very courteous and professional."

Alfred Coppola of Derry, NH


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.

Admin Login