NAILBA Errors & Omissions (E & O) Insurance Program

We are committed to your career success. Our goal is to continually offer outstanding new programs and services that will help you build and protect your business. A great example is the development of one of the most competitive agent Errors & Omissions plans in the industry.

Finally, a competitively priced, comprehensive E & O program specifically tailored to You, the life insurance agent. No longer do you need to subject yourself to the confines of group sponsored E & O programs with shared limits of liability, and no control over coverage. When you enroll in the NAILBA E & O Program, you are issued a policy with a highly rated carrier, and you can choose up to $2 million dollars of per claim coverage.

The NAILBA E & O Program provides comprehensive coverage for your life insurance business.


Enrolling is easy! See what premium rates are available for agents in your state


Covered activities include Benefits of enrolling in the NAILBA E & O Program
Sale or attempted sale or servicing of:
  • Life Insurance
  • Accident & Health Insurance
  • Long Term Care Insurance
  • Disability Insurance
  • Fixed Annuities
  • Employee Benefit Plans, Individual Retirement Arrangements, IRAs and KEOGH Retirement Plans (see below)
And if option is chosen:
  • Variable Products
  • Mutual Funds
  • Financial Planning incidental to the sale of the above products

See Coverage highlights, FAQs, and NAILBA Independent Agent Program E&O Policy Specimen for more information.
  • Comprehensive coverage for your life insurance, variable product and mutual fund business (click the coverage highlights link below for more detail).
  • No membership fees - Other life insurance agent programs require a membership fee to enroll in their E & O program. Not the case with NAILBA.
  • Quality Carrier - Praetorian Insurance Company is one of the largest insurance carriers in the E & O program business in the United States. Praetorian is Rated A- Excellent by AM BEST. Click here for a guide to BEST ratings.

For questions regarding the E&O Program, please contact:

Arthur J. Gallagher & Co. Insurance Brokers of California
Attn: Carolyn Osborn
15 Enterprise, Ste 200
Aliso Viejo, CA 92556
(800) 532-0327 x801