Huntersure: Errors & Omissions for Insurance Professionals

As risk advisors and consultants, insurance professionals are vulnerable to a wide array of professional liability claims from insureds when a loss, accident or injury occurs and there is a lack of coverage or inadequate limits. Super Storm Sandy is a perfect example of this with homeowners and businesses crying foul when their flood coverage was not enough or non-existent, when operations were shuttered and business interruption issues arose, including supply chain disruptions, power outages and other factors that resulted in diminished coverage. Hurricane Ike in Texas is another example where separate wind insurance was needed for adequate coverage to respond. There was an influx of claims against insurance professionals, alleging that wind coverage wasn’t offered or obtained through the state’s pool.

Broad E&O Coverage for Insurance Professionals

What’s more, often Errors & Omissions claims against insurance professionals stem from homeowners and the issue of replacement cost. On the commercial side, a lack of understanding of coinsurance and how it works can end up with an insured filing a claim when a dispute arises over how the coinsurance penalty affected the amount paid for a loss. There are also many misrepresentation claims involving certificates of insurance, especially when it comes to additional insured status.

Even insurance professionals implementing best practices and standards find themselves in disputes when insureds are dissatisfied with their claim outcomes. Many times it becomes a case of differing recollections, where the insured alleges he or she was never advised on obtaining a specific coverage.

Huntersure is well versed on the type of professional liability exposures the insurance industry faces, and provides Errors & Omissions insurance for those in the insurance industry including Claims Adjusters, Third Party Administrators, Benefit Consultants, Captive Insurance Managers, Risk Management Consultants, etc. We also provide excess limits for Insurance Agents and Brokers, specialty agents, MGAs and wholesale insurance brokers.

Program features

  • Limits up to $5M on a Primary or Excess Basis
  • Minimum Premium of $2,500
  • Minimum Deductible of $2,500
  • Primary and Excess Limits Available
  • Available in all 50 States

Additional Information

  • Punitive Damages (most favorable venue)
  • Innocent Insured Coverage
  • 50/50 Hammer Clause
  • Early Claim Resolution Incentive
  • Personal Injury Coverage
  • Defense for Fraud, Dishonest, Intentional Acts
  • Defense for Discrimination
  • Independent Contractors Coverage
  • Network Security/Privacy Coverage
  • Media Liability Coverage
  • Contingent Bodily Injury/Property Damage
  • Broad-Form Personal Injury Coverage
  • Subpoena Expense Coverage
  • Additional Insured’s Coverage
  • Worldwide Coverage Endorsement
  • Split Limits of Liability
  • Per Claim and Aggregate Deductible Options


Huntersure: Rely On Us to Expand Your Footprint in E&O insurance.

We make doing business with us easy with our breadth and depth of knowledge of Miscellaneous Professional Liability insurance, our proprietary underwriting system that allows for responsive quoting, binding and policy issuance and tailored products to meet the needs of your insureds. To find out more about our MPL products, please contact us at 646-751-3035.