E&O Insurance for Insurance Agents—Protect Yourself, Your Clients, and Your Business

Diversified Brokerage Specialists requires all agents to carry active Errors & Omissions (E&O) insurance. This professional liability coverage protects you and your clients in case of errors, omissions, or claims of negligence. Most carriers and BGAs require proof of E&O before appointing an agent, and keeping your policy current is critical to uninterrupted business.

Minimum Coverage:

 $1,000,000 per claim / $1,000,000 aggregate (or as specified by carrier—confirm at contracting if higher is needed).

Errors & Omissions Coverage—A DBS Standard for Every Agent

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How to Submit Your E&O Certificate

  1. Submit a copy of your E&O declarations page or certificate of insurance when first contracting with DBS.
  2. Provide updated proof each year upon renewal.
  3. Email your E&O certificate to our licensing department or upload it via the contracting portal.

Don’t Have E&O? Here’s How to Get Covered

If you don’t currently have E&O insurance, DBS can refer you to reputable providers offering policies tailored for insurance agents—often at group rates below $500/year. Some well-known options include CalSurance, NAPA, or (if offered) our DBS group E&O policy. Contact us for the latest group rate info or to discuss the best option for your needs.

Peace of Mind, Compliance, and Professionalism

E&O insurance isn’t just a requirement—it’s a smart business safeguard. Even the most experienced agents can face a client claim or misunderstanding. With an E&O policy, you’re protected against legal defense costs, settlements, or claims alleging you made a mistake or failed to secure proper coverage.


Example:

If a client ever alleges you missed a critical coverage detail, E&O coverage helps pay legal costs—protecting both your wallet and your reputation.

Annual Renewal Reminders—Stay Covered, Stay Compliant

  • DBS tracks your E&O expiry and will remind you when it’s time to submit a renewal certificate.
  • A quick email or upload keeps your contracts active—no business interruptions.
  • Our licensing team promptly confirms receipt and will notify you if any updates are needed.
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Need Guidance? We’re Here to Assist

If you have questions about E&O requirements, acceptable policies, or need help finding affordable coverage, contact our licensing team anytime. We’re here to make compliance easy, not stressful.

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E&O Insurance—Agent FAQs

  • Do I need E&O insurance to work with DBS?

    Yes—all active agents must provide proof of E&O coverage when contracting and on renewal.

  • What is the minimum coverage required?

    Typically $1 million per claim/$1 million aggregate—check your carrier’s requirements or ask our team if unsure.

  • Where can I get E&O insurance?

    We can refer you to group-rate providers or discuss options for group E&O coverage through DBS.

  • What happens if my E&O expires?

    We’ll notify you for renewal; uninterrupted coverage is required to maintain carrier appointments.

  • How do I submit my E&O certificate?

    Email it to our licensing team or upload it in the online portal—either method is fast and secure.

Stay Protected and Compliant—Submit or Renew Your E&O Certificate Today