Professional Liability Products

As an insurance agent, you know the importance of having the right coverage. With IIANC's variety of professional liability products, you can be assured that your agency is well protected. IIANC members have access to the Big “I” Professional Liability program, the most respected and complete program in the business offering a variety of insurance agent’s Errors & Omissions (E&O) products that are hand-selected for their superior reputation and exceptional performance. With stable rates and a long-term market, the Big “I” Professional Liability program is properly positioned to meet your professional needs and protect the future of your agency.  The coverage is sold and administered locally by IIANC’s Insurance Products Department so you will get the same attention and commitment to service that you give to your clients.
Questions? Contact Denise Miller at or 888-275-8913.


Errors & Omissions Insurance

You trust us to represent your interests at the highest political level, and as your association, we also want to provide you with the security of knowing you are getting the best overall E&O value in the marketplace - not just a policy, but an all-inclusive program. IIANC represents the two leading carriers of insurance agents’ E&O coverage: Swiss Re / Westport and Fireman's Fund. Learn more about these great programs below.

Swiss Re / Westport E&O Application
Fireman's Fund E&O Application   

Get an Agency E&O Premium Estimate

The Big "I" Professional Liability Program is administered by IIANC. We provide superior customer service and expertise while acting as your agency for E&O. In just a few minutes, you can request an E&O premium estimate from us with our convenient online request form.


Swiss Re/Westport

Over the past 20 years, Westport has become the largest writer of insurance agents’ E&O coverage in the nation. Westport is rated A+ by A.M. Best and is a member of the Swiss Re Companies. Westport policyholders have exclusive access to a special E&O Risk Management website that is designed to help agency’s avoid costly E&O claims and improve agency operations. 

Program highlights include:

  • State of the art coverage form exclusive to Big "I" members
  • $20 million in capacity
  • Broad definition of professional services and activities
  • Comprehensive definition of "who is an insured"
  • Defense outside limits
  • Full prior acts available
  • Catastrophe claims extra expense
    Revised E&O Loss Control Credit Requirements for Westport Policyholders   Effective 9/1/09
    E&O Happens: The Big "I" Professional Liability's Agency E&O Risk Management Website
    Available exclusively to policyholders of Westport and First Specialty, this portal is designed to help your agency avoid costly E&O claims and to improve overall agency operations.


    Fireman's Fund Insurance Company

    An industry leader in agents’ E&O coverage for 25 years,Fireman’s Fund is the second largest writer of this coverage in the country. Fireman's Fund, rated "A" Excellent by AmBest, was formed over 150 years ago and is now a member of the Allianz family of insurance companies.

    Program highlights include:
  • Broad policy form
  • $10 million in capacity
  • Broad definition of insured
  • Defense outside limits
  • Catastrophe claims extra expense
  • Regulatory investigation reimbursement
  • $50,000 first party personal data compromise


    Employment Practices Liability Insurance

    Employment Practices Liability (EPL) coverage through Swiss RE / Westport is available for member agencies that have their E&O insurance with Westport.

    Product features include:
  • Limits of up to $1 million
  • Schedule credits available
  • Loss control credits
  • Available as a stand-alone policy or as an endorsement to the E&O policy.

    Agency Umbrella Protection

  • IIANC now offers two markets for insurance agency umbrella protection to provide excess coverage over top of your E&O coverage. In today’s legal environment, increased limits are needed to protect your business. These unique agency umbrella products will help shield you against the liabilities involved in running your business.

    Swiss Re / Westport Commercial Umbrella

    Available exclusively to Big “I” members, this umbrella policy can be written over any primary E&O coverage. It was designed in collaboration with IIABA to meet the needs of independent insurance agents.  Program highlights include:
  • Swiss Re is rated A+ by A.M. Best
  • Broad coverage over primary casualty lines, including E&O
  • Coverage is available up to $10 million over underlying primary E&O policy
  • May be written over a variety of E&O carriers

    Penn National Commercial Umbrella

    The Big “I” and Penn National Insurance have partnered to offer Big “I” members a comprehensive commercial umbrella that includes coverage over E&O policies from a variety of carriers. Program highlights include:
  • Coverage available up to $10 mil for commercial and professional liability and $5 mill for personal exposures of owners and officers. (Higher limits may be available).
  • Provides coverage over an agent/agency’s CGL, Business Owners, Employers Liability and Commercial Auto.
  • Excess limits protection on a following-form basis for E&O in the course of the agent/agency’s business as an insurance professional.
  • Coverage can be written over occurrence or claims-made forms of a variety of primary E&O.
  • Options unique to this program include personal coverage for owners, partners, officers and their families and employment practices liability.


    Virtual Risk Consultant

    The Virtual Risk Consultant (VRC) is a sales and risk exposure evaluation tool you can afford. Powered by Rough Notes, the VRC is a trusted insurance knowledge base platform available exclusively to Big “I" members. Quickly get the information you need to understand your customers' operations and exposures while identifying appropriate coverages. 

    Our members enjoy exclusive pricing which represents an extraordinary value. Annual plans start at just $250 per agency for up to 15 users. Similar products in the marketplace sell for thousands per year. Gain access to the resources your agency needs, such as:
  • E&O checklists & questionnaires
  • Sales and marketing tools
  • Proposal language
  • Training and development support

    E&O Risk Management Review Program

    To help IIANC member agents remain competitive, well-organized, and profitable, IIANC Member Services (IMS) and SwissRe/Westport in conjunction with The Moberg Group (TMG), offer the Agency E&O Review Program for agencies participating in the E&O insurance program. TMG, specialists in agency operations, management, and business development, conducts the E&O Review Program for agencies referred by IMS. The program focuses on the agency’s operations, identification of potential E&O exposure, and recommendations for specific actions to be performed within a recommended timetable.
  • IMS & SwissRe/Westport provide a five year 10% premium credit for completion and compliance with the Review Program.
  • E&O Review credits are in addition to the credits received for participation in the E&O education classes provided by IIANC.

    To schedule a review in your agency, visit, email or call 828-349-5250.

    Agency Operations & Procedures Manual

    After years of trying to write a manual for your office, you can now buy a complete manual and with very little time and effort customize it to fit your agency using basic word processing skills. Published by The Moberg Group (TMG), the leading provider of E&O Risk Management Services and Consulting Services, the manual was designed specifically for independent agents and brokers. Whether processing a non-premium endorsement, or the most complex reporting form policy, the easy to follow workflow make the process simple. Provided on a USB drive in Microsoft Word format, this manual is ideal for training new employees, reinforcing procedures to existing employees, and to meet the requirements of the "Rules of Evidence."

    IIANC members receive special, discounted pricing of 25% of the cost of the manual.
    The manual includes: 
  • General Agency Procedures
  • Personal Lines Work Flow & Procedures
  • Commercial Lines Work Flow & Procedures
  • Employee Benefits Procedures
  • Job Descriptions