E&O Insurance Program for Authorized , And Agents of CareFirst BlueCross BlueShield

These Errors and Omissions insurance programs are designed exclusively for authorized , and agents of CareFirst BlueCross BlueShield and helps to protect against claims arising from the sale and servicing of insurance products. Coverage starts at just $73.75 down and $48.75 a month or a one time payment of $550.00 based on lowest 12 month pricing option. Actual pricing may be prorated based on effective date of coverage.

About This Coverage

  • Gallagher Affinity is pleased to be your E&O administrator. If you have any questions regarding the policy or payment options, please call us toll-free at 866.389.0022.
  • This E&O Policy renews on December 1st. All certificates of insurance issued under this policy will renew December 1st. Premiums are prorated based on chosen effective date of coverage.

Pricing Information

  • Premiums are prorated to allow for mid-policy enrollment
  • Pricing includes a $25.00 administrative fee and $5.00 monthly processing fee for monthly payment option. Down payment includes one month's premium & administrative fees. Monthly deductions as shown above will begin the third business day of the month after enrollment.
  • At the time of enrollment, each agent will be required to make a non-refundable payment in the amount of the first month’s premium (minimum earned premium). Administrative fees and minimum earned premium are non-refundable.
  • This policy renews on December 1st of each year.

Program Eligibility

  • You must be actively appointed with CareFirst BlueCross BlueShield at the time of your effective date and at the time you submit a claim under this policy in order to be eligible for coverage.

Program Features

  • Guaranteed Issue – group preferred premiums
  • Provides coverage for your administrative, clerical and support personnel while they are acting on your behalf.
  • Coverage includes life, accident and health, Medicare, disability income activities as well as mutual funds, variable products, universal life, annuities and section 125, employee benefit plans, self-funded plans, managed health care organizations
  • First dollar defense costs are provided and are within the limits of liability
  • Provides coverage for any affiliated corporation, partnership or agency for their liability arising out of the individual insured's professional services
  • No Master Policy Aggregate. Sublimits of coverage and/or policy aggregates may apply to specific endorsements within the Master Policy. Please read your policy carefully.
  • Important: This is a claims made and reported policy. Claims must be submitted immediately in writing to the insurer. Coverage only applies to claims first made during the policy period. Claims must be reported during the policy period; or, during an extended reporting period (ERP). Prior acts are covered back to the first day of continuous E&O coverage. Please refer to the policy form for claim reporting provisions and definition of a claim, prior acts definition, and ERP details.

Incidental P&C Coverage

  • Incidental P&C Coverage Endorsement Available — The P&C coverage offered in this plan is designed to be incidental to the agents' overall book of Life & Health business. Life & Health agents who also have a P&C license are eligible for this coverage ONLY if their total P&C revenues do not exceed 25% of their gross annual commission & fees.
  • Only $300 of additional premium or $25/mth to add this P&C endorsement to your Life & Health E&O Coverage (prorated for effective date of coverage)
  • Covers ONLY the following products placed with admitted Property & Casualty carriers with an A.M. Best Rating no lower than B+:
    • Homeowners
    • Auto (personal watercraft, RV, motorcycle)
    • Personal Umbrellas
    • Flood
    • Renters
    • Pet Insurance
    • Travel protection benefits
  • Excluded products include, but are not limited to:
    • Aviation
    • Wet Marine
    • Professional Liability
    • Employment Practices Liability
    • Medical Malpractice
    • Directors & Officers
    • Commercial General Liability
    • Commercial Property
    • Products Liability
    • Workers Compensation
    • Fidelity
    • Surety
    • Boiler and machinery
    • Kidnap and ransom
    • Reinsurance
    • International insurance
    • Crop, Hail, Wind, Earthquake, and Pollution
  • Pet Insurance Sublimit of Liability:
    • $25,000 per "wrongful act" $25,000 annual agent aggregate
    Flood Claims Sublimit of Liability:
    • $100,000 per "wrongful act" $250,000 annual agent aggregate
    Travel Protection Benefits Sublimit of Liability:
    • $150,000 per "wrongful act" $250,000 annual agent aggregate
    All Other Covered Claims Sublimit of Liability:
    • $1M per "wrongful act" $1M annual agent aggregate
    *These Sublimits of Liability are part of, and not in addition to, the applicable Named Agent's Limits of Liability.
  • *The following retentions apply to P&C products.
    • $20,000 per claimant for any claim involving or in any way related to flood insurance
    • $5,000 per covered claim for all other products

Coverage Limits

  • $1 Million per claim / $2 Million annual aggregate

Deductibles and Retentions

  • $1,000 deductible for CareFirst BlueCross BlueShield product-related claims
  • $2,500 deductible for Non CareFirst BlueCross BlueShield product-related claims

Payment Options

  • Pay in full or choose monthly payments via credit card or electronic funds transfer (EFT). For those customers that select the monthly payment option, your credit card or EFT will be processed on the 3rd business day of each month.


  • This errors and omissions coverage is placed with an admitted carrier. Please reference the A.M. Best rating chart and disclosures link below for an explanation of admitted and non-admitted carriers.
  • California State License #0B44869, Louis E. Marinaccio
  • Your coverage is secured by BCS Insurance Company.
    BCS Insurance Company is A.M. Best A- (Excellent) IX rated carrier.


Program Administrator

  • Gallagher Affinity
  • Refer to the policy form for additional definitions, terms, and conditions. Please contact us with any questions or concerns; you can also visit our Frequently Asked Questions for more information.

Business Owner's Policy

Providing you with superior protection in an unpredictable business environment.

This valuable coverage provides small business clients broad and relevant protection. Many of the coverage options are uniquely designed and not typically offered in today’s competitive marketplace. Coverages can include Building, Business Income, Business Personal Property, Computer Equipment, Valuable Papers, Accounts Receivable, Money and Securities, Back-up of Sewer and Drains and much more!

Program Features

  • General liability limits starting at $2 million/$4 million
  • Aggregate limits per location for Premises Liability included
  • Blanket Additional Insured included
  • Employment practices/fiduciary liability at $10,000 included with options up to $500,000 available
  • Passport access endorsement available
  • Coinsurance Waived
  • Business Income and Extra Expense with no specific waiting period or payroll limitations
  • Inflation Guard included — 3% for Building and Business Personal property
  • Computers, Software and Data (EDP) — includes coverage at $50,000 for on premises EDP. This is in addition to the Business Personal Property limit.
  • Computers Off Premises, including Laptops and PDAs — includes coverage worldwide at a $25,000 limit.
  • Targeted Hacker Attack — Coverage is included at a limit of $25,000 Direct Damage and $25,000 Business Income. Coverage is provided when employees or customers hack into the insured’s computer systems and cause damage.
  • Identity Theft/Recovery for Business Owners — Coverage is included at $25,000
  • Plus many more!

Know that you are protected by the history and financial strength of CNA. For more than 100 years, CNA has provided a broad array of coverage for all business types and sizes, all supported by exceptional Risk Control and Claim services, and backed by the financial strength of an “A” rated carrier.

CNA is a registered trademark of CNA Financial Corporation. Copyright © 2018 CNA. All rights reserved. One or more of the CNA companies provide the products and/or services described. The information is intended to present a general overview for illustrative purposes only. It is not intended to constitute a binding contract. Please remember that only the relevant insurance policy can provide the actual terms, coverages, amounts, conditions and exclusions for an insured. All products and services may not be available in all states and may be subject to change without notice.

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