NAILBA Errors & Omissions (E & O) Insurance Program

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:

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 highlightsFAQs, and NAILBA Independent Agent Program E&O Policy Specimen for more information.

Benefits of enrolling in the 
NAILBA (E & O) Program

  • 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 x 801