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.

"Great service!"

Louis Wislocki of Grand Rapids, MI

"Job well done!"

Garnetta Morgan of Kingsport, TN

"Thank you for being so easy!"

Cathy Chestnutt of Clarkston, WA

"Thank you for your prompt courteous service. I was immediately contacted by one of your CSRs after an online request. She listened to my problem, responded, and assisted me in a very professional manner, promptly sending me the E&O link. In only a few moments, I enrolled for coverage to prevent a lapse. She uncomplicated my Monday! Thank you!"

Laurie Henry of Diamondhead, MS

"I called and was helped by your customer service representative. We are a firm of 22 advisors and she was so good. I sent an email to the entire team saying if they ever had questions regarding E&O that they need to call her. I will look forward to renewing next year! Letting you know she is terrific."

Evan Connell of West Linn, OR

"The company was very helpful."

Herman Worsham of Sandston, VA

"Staff was professional and most helpful - would recommend to others."

Phil Collier of Bladenboro, NC

"The service was easy and user-friendly."

William Johnson of Charlotte, NC

"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

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

Adriana Serena of Parker, CO

"I am a new agent. The customer service representative was very professional and kind. I give all A+."

Jung Hong of Northridge, CA

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

Susie Curington of Atlanta, GA

"Your representative did excellent work helping me with my problem . From cancellation of my former contract to completing enrollment in your company plan."

Raymond Rizzo Sr of Somerset, PA

"Thanks for your swift response to email my E&O certificate! Great to do business with your firm."

Charles Brown of Maryville, TN

"Service and functionality was outstanding!"

Ken Bell of Fort Smith, AR

"I really appreciated the time, knowledge and thought that the people that I spoke with at MGA concerning my E&O insurance coverage."

John Gocinski of Pittsburgh, PA

"I am not sure who I spoke with this morning but please thank him for me. He was quick and efficient and I did not have any time to even pause to call today but he made it very easy. Excellent service. Thank you."

Kelli Tremblay of Concord, NC

"Great service, friendly people. Very happy with your company."

Jeffrey Esser of Oak Creek, WI

"I was very satisfied doing business with you! Thanks."

Brian Dennis of Beverly Hills, CA

"Your representative was very helpful. He saved me a lot of money. Someone should award him a plaque or trophy for "Outstanding Service." I will be referring all licensed agents to MGA."

Alvin Higa of San Diego, CA

"The follow up call was professionally handled, quick and painless."

Brian Weinberg of McKinney, TX

"When I called your office, your staff was extremely courteous, professional and prompt with all questions. A rare characteristic these days for businesses."

Mary Pelham of Tampa, FL

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

Alfred Coppola of Derry, NH

"It was very simple to follow and also very quick to apply."

Sheila Noble of McKinney, TX

"The gentleman who helped me over the phone was very courteous and patient!! Didn't get his name but he should be acknowledged for the great job he did."

Tim Heinemann of Grover, MO


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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