Errors & Omissions

Main Page Picutre.jpg   
new tc iiari logo 300px.jpg 

IIARI offers members Errors & Omissions coverage solutions through a choice of competitive markets.  The markets have a long standing and established reputation of stability and superior coverages.  IIARI members have flexibility to choose the coverage that best fits their agency needs.  These preferred markets afford diverse coverage options important to independent agents for both property & casualty and life & health operations:

  • Comprehensive coverage
  • Range of deductibles
  • Liability limits options
  • Multiple rating structures
  • Competitive pricing
You get a policy customized for your risks and budget underwritten by an experienced E&O professionals providing personal, friendly service to satisfy all your coverage necessities to guard against unexpected claims.                    

For more information about how IIARI can fit your agency with the right E&O policy contact Helen Collins at
401-732-2400, or email her at  

 Swiss Re 200px.jpg          utica logo-anniv.jpg

Helen website.JPG

Helen L. Collins, CPIA

Director of Errors & Omissions
401.732.2400 Ext:311​

Property & Casualty Agency Coverage
Coverage Highlights:

Established Agencies - Broad Coverage 

  • For insurance
  • Risk Management Services
  • Notary Service
  • Property Appraisals for insureds
  • Expert Witness 
  • Instructor of Insurance Practices
  • Defense Costs are in addition to limits of liability
  • Consent to settle provision - gives you control over how you want a claim handled
  • True worldwide coverage in a global economy - Suit can be brought anywhere in the world, not just in the United States!

Selling your agency? Retiring?
Here's what is special about our Perpetuation plan for agencies!

  • Utica includes up to a 10-year Extended Reporting Period (ERP)
  • Some carriers may not offer ERP if coverage is cancelled or expired
  • Up front knowledge of what the premium is for the Extended Reporting Period options
  • You choose the coverage period

Life & Health Agency Coverage
Coverage Highlights:

Don't go without protection you need. We offer:

  • First Dollar Defense Coverage - Utica's coverage protects you from paying large legal expenses, because the deductible applies to the loss only. Utica also offers a Loss Plus Litigation Expense Deductible Option.
  • Full Prior Acts Coverage - No Extra Charge. Unlike some policies, Utica's E&O policy provides full prior acts coverage at no extra charge. This coverage is subject to underwriting approval.
  • Defense Costs in Addition to Limits of Liability - Your limit of liability is available to pay for any judgments against you and is not reduced by ever increasing defense costs.
  • No Contractual Liability Exclusion - and we don't charge extra!*

*Availability varies by state