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.

"The website was extremely easy to use."

Roland Schaffer of Allentown, PA

"Great service!"

Louis Wislocki of Grand Rapids, MI

"I was very pleased with the CSR's help with the renewal of E&O coverage for January 1, 2014. Her explanation was excellent."

June Lombardo of Coral Springs, FL

"The Service Rep was so professional and helpful! Thank you."

Susie Curington of Atlanta, GA

"Excellent experience. Thanks."

Dianne Girazian of Selma, CA

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

De Roy Golden of Channelview, TX

"My call was taken this morning promptly by your customer service representative. She was friendly and helpful! While she explained they were a call center and did not require direct contact through her to complete the process, she offered to email the application and answer any additional questions. She was great to work with! Thank you!"

Sarah Sanders of West Bloomfield, MI

"Where have you been all these years?!"

Noel Spencer of Newburgh, NY

"I had my E&O renewal and I was helped in a very professional, expedient manner. Thank you."

Tammey Sullivan of LIttleton, CO

"Thank you! You made my day!"

Pamela Salvatore of Wethersfield, CT

"Thanks for your fantastic support and customer service."

Mariana Gonzalez of La Crescentia, 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

"Excellent services."

Janice Tucker of Hendersonville, TN

"I have referred approximately 6 other agents to your site for coverage. This is one of the few sites I haven't had problems with including my company's site. Thanks!"

Gladys Murphy of San Antonio, TX

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

Alfred Coppola of Derry, NH

"Excellent Service!"

Howard Williams, CLTC of Lancaster, SC

"Very easy to use !!"

Roy Felgoise of Lafayette Hill, PA

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

Gary Hickerson of Holmes Beach, FL


Henery Ruffin of Lake Hamilton, FL

"Fast and easy to enroll. Competitive prices."

Larry Mason of Grand Junction, 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

"Well done, MGA. Well done."

Marty Heppinstill of Highlands Ranch, CO

"Rep was very accomodating and make the experience painless."

John Ranalli of Troy, MI

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

Gail Rowell of Braselton, GA

"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


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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