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Errors & Omissions


Primarily underwritten through Westport Insurance Corporation, a member of Swiss Re Corporate Solutions. However we utilize more than 30 admitted and nonadmitted markets to bring you the best coverage for your agency. Scroll down for Coverage Comparison Checklist, E&O Review Program, info on the SC Standard of Care as well as other information and resources. To get started with Big I Professional Liability, contact: Mike Radcliffe GET A QUOTE See also: Customizable Procedure Manual	WHY CHOOSE US? PROMPT LOCAL SERVICE Superior customer service and expertise by your state association serving as your agent with underwriting authority and offering prompt turnaround of quote and policy delivery. MORE PREMIUM DISCOUNTS - Qualifying agents can save over 50% in premium discounts including risk management, claims free, agency operations improvement review, efficiency and carrier concentration credits. DEDUCTIBLE SAVINGS - Loss only deductible available along with deductible reduction feature offering up to 100% savings of deductible (up to $25,000) per claim. CLAIMS HANDLING - Prompt and thorough claims handling by an experienced staff made up primarily of licensed attorneys who stand ready to support policyholders with any potential incident or claim. FLEXIBLE UNDERWRITING - Targeting agencies of all sizes and unique operations including both P&C and L&H-only agencies.	CAPACITY - Limits up to $30 million RISK MANAGEMENT TOOLS - Policyholders have FREE access to the exclusive website E&O Guardian (eoguardian.com) and the E&O Claims Advisor Newsletter. STABILITY - Nationally endorsed program with more than 30 years' experience and the largest and most stable independent insurance agency E&O program in the country, rated A+ (Superior) by AM Best. EXCLUSIVE - A Big I member exclusive policy form and premium credits filed on a Risk Purchasing Group basis gives Big I members tailored coverage. MEMBER OVERSIGHT - A professional Liability Committee, comprised of IIABA members, oversees and directly influences the program. Our program was designed by agents for agents. AGENT ADVOCACY - Supports lobbying efforts protecting your industry by contributing a percentage of every premium dollar to the funding of important advocacy efforts of the IIABA.

Prevent. Protect. Prosper.

Our risk-management resources keep your agency from making common and preventable mistakes. Our superior coverage and expert claims teams are in your corner in the event of a claim. Also includes information about a 10% premium credit.

Operational Improvement Review

Enhance your agency's protection and efficiency with a Virtual E&O Audit. Conducted by a Swiss Re-approved auditor, this audit reviews key workflows—such as customer file maintenance, documentation, and templates—to reduce E&O exposure, improve service, and create a culture of E&O awareness. PLUS, receive up to a 15% premium credit annually for up to 5 years*.

Insurance Agents and the Standard of Care in South Carolina

To gain a deeper understanding of the differing agent duties and standard of care by state, the Big “I” Professional Liability Program and Swiss Re Corporate Solutions surveyed their panel of counsel attorneys. Each was asked to draft a brief synopsis outlining the agents’ standard of care in their state as well as to identify and include a short summary of the landmark cases. The following was the response from South Carolina counsel.

Top 10 Reasons to Submit Your Claim

We understand the temptation not to report small claims – those you think will be within your deductible. But for your sake, we strongly urge you to submit all claims, whether active or potential, immediately.

E&O series offers attorney feedback

Read the results of a recent survey of E&O defense attorneys for direction on where potential E&O claims may be lurking in your agency.

E&O Coverage Checklist

Compare the Big 'I' Professional Liability Program through SwissRe/Westport and see why our track record of experience, stability and expertise is second to none. Since there is no standard E&O policy, a coverage comparison is critically important.

E&O Website Review

Could your website be used as evidence for an E&O claim? As an insurance agent, you likely are the “best” in a certain line of business or have a near “expert” level of knowledge. As such, you use this type of language on your website to differentiate your agency from competitors. However, the presence of certain statements can lead to unwanted E&O exposures. Get an insurance website evaluation and potentially receive 5% off your E&O insurance policy annually for up to four years*.

Is your website doing more harm than good?

Swiss Re Corporate Solutions claims team has put together a series of dos and don'ts for agency websites in response to recent cases where content on the agency's website was unintentionally detrimental to their defense in E&O claims. Use the following guidelines from risk management professionals in creating and reviewing your agency website’s content.

E&O Education Online

In short, our ABEN online learning platform is simple, easy to use and affordable. Most of the E&O courses qualify for the 10% premium credits, and several of them also offer Ethics CE credit. Webcasts are live, and they system allows you to take notes and submit questions to the instructor. The best part is that no test is required.

Should You Issue ‘Blank’ Certificates of Insurance?

From the Big 'I' Virtual University: A contractor asks an agent for a certificate of insurance without a certificate holder name so he can provide it as proof of insurance. The agent says they will issue a COI to anyone at the contractor’s request, but can’t provide one for him to hand out, as has always been the policy.

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