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. Copyright © 2014 CNA. All rights reserved. One or more of the CNA companies provide the products and/or services described. The information is intended to present a general overview for illustrative purposes only. It is not intended to constitute a binding contract. 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 states 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.

"Excellent experience. Thanks."

Dianne Girazian of Selma, CA

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

Tim Finefrock of Reston, VA

"The CSR was excellent."

Randy Thompson of Ormando Beach, FL

"You were very knowledgeable and represented a true desire to make sure all the details were correct in obtaining my insurance policy. I am new to the business and you were patient and thorough in his communication.  I truly appreciate his empathy and his professionalism.  I would recommend you highly and continue to do business with you!"

Charles Green II of Helotes, TX

"Very courteous and helpfull in getting my issue resolved."

Walton Stohn of Blue Springs, MO

"I would like to praise the professional, courteous, efficient and friendly manner in which your customer service representative treated my situation. She was the reason that allowed me to get through the renewal process. I hope that she is recognized for her effort."

Lourdes Capo-Velez of San Juan, PR

"Grateful! Thank You!"

Natalie Natividad of Covina, CA

"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

"The company was very helpful."

Herman Worsham of Sandston, VA

"The Customer Service Representatives of MGA servce are outstanding! You truly give unmatched service, excellent products, and competitive prices. I highly recommend MGA to other independent insurance agents and brokers. Thank you for your excellence and caring for the customer."

Patrick Brown of Silver Spring, MD

"I have recommended and will continue to recommend MGA for E&O coverage. Thank you."

Gary Hickerson of Holmes Beach, FL

"The MGA representative I spoke with this morning could not have been more helpful and pleasant."

B Ann Shephard of Tonasket, WA

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

Rodney Daniels of Mesa, AZ

"Thank you for your business."

Cheryl Bouchard of Holly, MI

"Your site made procuring my E&O coverage very easy. Simple and friendly to navigate. Thank you."

Joan Rohleder of Green Bay, Wi

"Love the ease of use, reminders and prices. Great job!"

Debra Hoffman of El Segundo, CA

"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

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

James Monroe of Oconomowoc, WI

"Excellent coverage service & value."

Gordon McLain of Belleair, FL

"Received notification of my automatic renewal for E&O. Went on the site which was easy to understand and printed my renewal before it was due. Great service."

Erwin Hamet of Towson, MD

"Where have you been all these years?!"

Noel Spencer of Newburgh, NY

"Easy ... if I can do it anyone can enroll."

Manuela Hernandez of El Paso, TX

"Thank you for your service and prompt response. I will recommend my co-workers to visit your website. I am glad that you could service my needs."

Marcelle Martelly of Miami, FL

"I was very impressed with the promptness and professionalism with applying for the E&O insurance."

Brian Shurlow of Surprise, AZ

"I will recommend MGA to other agents."

Yvonne Deuell of Richmond, TX


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