Business Insurance for Insurance Agents and Brokers

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Why do insurance agents and brokers need business insurance?

Just as you tell your clients, it's worth getting insured to avoid paying more down the road. A disagreement over a claim or an exclusion could lead to an expensive lawsuit. Business insurance covers financial losses related to disputes, injuries, and other incidents that could devastate your business.

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One application, multiple quotes

Insureon helps property and casualty (P&C) agents, life and health agents, and insurance brokers compare insurance quotes from top U.S. carriers online.

Get several quotes with one easy application.

What types of insurance do insurance agents and brokers need?

These insurance policies cover common risks faced by agents and brokers.

General liability insurance icon

General liability insurance

This policy covers basic risks, such as a client who sues after falling at a P&C agent’s office. Bundle it with property insurance for savings in a business owner’s policy.

  • Slip-and-fall accidents
  • Damaged customer property
  • Libel or slander lawsuits
Errors and omissions insurance icon

Errors and omissions insurance

E&O insurance for insurance agents covers legal defense costs related to work performance, such as failure to procure the right coverage for a client. It’s also called professional liability insurance.

  • Failure to explain coverage
  • Administrative errors
  • Accusations of negligence
Business owner’s policy icon

Business owner’s policy

A business owner’s policy, or BOP, is a cost-effective way for insurance agents and brokers to buy commercial property insurance and general liability coverage together.

  • Customer injuries
  • Damaged customer property
  • Business property damage and theft
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for insurance agencies that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Missed wages
  • Legal costs
Commercial auto insurance icon

Commercial auto insurance

Commercial auto insurance helps pay for expenses after an insurance agent's or broker's vehicle is involved in an accident. Each state has its own requirements for auto liability insurance.

  • Property damage caused by your vehicle
  • Auto accident medical costs
  • Vehicle theft and vandalism
Cyber liability insurance icon

Cyber liability insurance

This policy helps insurance agents and brokers recover financially from data breaches and cyberattacks. It's strongly recommended for any small business that handles sensitive information.

  • Customer notification costs
  • Fraud monitoring services
  • Regulatory fines
Looking for different coverage? See more policies.

How much does insurance cost for insurance agents and brokers?

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A small business with a few agents will pay less for insurance than a larger agency.

Factors that affect premiums include:

  • Insurance specialty, such as life insurance
  • Business property and equipment
  • Business income
  • Types of insurance purchased
  • Policy limits and deductibles
View Costs

How do I get insurance agent or broker business insurance?

It's easy to get insurance agent or broker business insurance if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Insureon's licensed agents work with top-rated U.S. providers to find the right insurance coverage for your insurance agency or brokerage, whether you work independently or hire employees.

What our customers are saying
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"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
Richard C.
Software / internet design
"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."
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"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."
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