• Professional Liability Coverage

    Premium Estimator Tool

    From our admitted A+ rated Westport product to several non-admitted carriers, FAIA Member Services is an agent’s best option for professional liability insurance. Florida’s largest and established Errors & Omissions insurance program, FAIA Member Services is focused on helping member agents get the right coverage at the right price.

    What else would you expect from the agents' agent? 

    Swiss Re Checklist  
    Use this checklist (PDF) to see how your current E&O policy measures up to Swiss Re/Westport's policy.

    Swiss Re/Westport

    FAIA Member Services' E&O program—underwritten by Westport Insurance Corporation, a member of Swiss Re Corporate Solutions—was developed by agents for agents, and is tailored to provide the broadest protection available. Program highlights include:  

    • Defense costs in addition to the limit of liability.
    • Deductible Reduction feature: If you need to file an E&O claim and the agency generates and maintains written documentation in the agency file of the refusal of any customer to accept any type of coverage or limit offered by the agency, 100% of the agency’s deductible for that claim will be waived up to a maximum of $25,000
    • $20 million limit capacity available.
    • Catastrophe Extra Expense coverage $25,000/$50,000 (with increased limit options up to $100,000/$250,000 available through endorsement).
    • Insolvency coverage for placement with carriers rated B+ or better by A.M. Best or carriers covered by a state guaranty fund. 

    The FMS E&O program has a proven claims-paying track record, is a fierce advocate when it comes to claims handling and coverage interpretation, and offers the kind of outstanding customer service that comes with FAIA membership.


    Non-admitted Carriers

    FMS has established relationships with several carriers to serve members who may be ineligible for placement in Westport because of loss history or for other reasons, such as the agency is a start-up, has been in business fewer than 3 years, has a low percentage of direct placements, or writes hazardous/unique lines of business.