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What is Errors & Omissions Coverage & When do I need it?

Errors and Omissions Insurance protects you and your company from claims if your client holds you responsible for errors, or the failure of you to explain your product completely. Policy Coverage does provide for legal defense costs and resulting judgments (according to policy conditions). This is a tremendous benefit since the cost of litigation for companies has risen dramatically in recent years as a result of product and service disputes.

We recommend Errors & Omissions Insurance be at the foundation of every company’s insurance portfolio. If you are a New Agent, it is recommended to purchase coverage before you begin selling any insurance products. If you have existing E&O coverage and wish to change, you should do so before your current policy lapses and creates a gap in coverage.

Insurance Plans Starting at $48.50. Enroll today for an immediate certificate in 10 minutes!

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Outline of Coverage

Our Promise: We are committed to provide quality protection backed with superior personalized service. None follow the enrollment, certificate, and payment process closer than Titan does. Our promise is to do everything possible to make sure you have current coverage protecting at all times and our strength is in preventing any Lapse or Gap from occurring.

What Other Programs Don’t Tell You

Many sponsored E&O Programs are attractively priced, but have production requirements to offset their premiums. This can be potentially dangerous, as there are three things that may happen when you do not have stand alone coverage such as Titan’s that includes coverage for prior acts.

The Carrier you’re affiliated with will cancel their contract with you when new business production is too low
The Carrier you’re affiliated with will cancel their E&O offering with you as a result of the above
Potentially, You are Exposed with No coverage in place. Under these circumstances, Notification is often very poor or very late getting to the agent causing a Gap in Coverage!

We bring this to your attention only because we see this happen Month after Month from agents not affiliated with us. Unfortunately, many claims are denied because the agent has a gap in coverage that can’t be cured. As an active agent you should have continuous coverage year after year and when you change E&O programs, you do so seamlessly without creating any Gap. E&O coverage with Prior Acts will typically cover you as far back as when you first had E&O coverage unless a Gap exists. Therefore; any Gap in coverage may prevent a claim from being covered. Titan’s Policy with Prior Acts is exceptional protection that will allow you to write with Any Carrier (Life, Health, Disability, & Fixed Annuity) with NO production Requirements.

Why do I need it?