E&O Insurance for Independent Agencies: Your 2025–2026 Renewal Playbook

Markets are tightening and claims costs rising. Use this executive-ready checklist to renew smarter—and see how ABU’s member E&O program strengthens your negotiating position.

The 12-Point E&O Renewal Checklist

  1. Loss runs (36–60 months): include narratives + remediation actions.
  2. Revenue mix & delegation: break out PL/CL, program business, outsourcing; document QA steps.
  3. High-risk classes: flag habitational, trucking, construction, professional; attach placement protocols.
  4. Quoting protocols: bind authority limits, second-review thresholds, coverage comparison workflow.
  5. Training & CE: annual CE tracking for producers and CSRs.
  6. Data security: MFA on AMS/CRM, phishing tests, encrypted e-sign solutions.
  7. Complaint resolution: response SLAs, escalation map, root-cause analysis.
  8. Documentation & disclosures: proposal templates, declination forms, renewal refusal scripts.
  9. Carrier stability: monitor AM Best ratings and plan for deteriorating scores.
  10. COIs & certificates: issuance roles, QA turnaround times, audit logs.
  11. Change management: new products, locations, M&A—risk assessment steps.
  12. Market story: summarize controls that reduce frequency and severity; make it easy to underwrite.

Why ABU’s Member E&O Program Helps in a Tight Market

  • Broader features: defense outside limits, vanishing deductible, first-dollar defense options.
  • Agency-savvy underwriting: quicker responses from teams who understand independent agencies.
  • Community leverage: benchmarking across member agencies to negotiate better terms.

Explore E&O Member Advantages | Compare Membership Options

  • E&O Renewal Data Pack – Loss-Run Checklist + Control Map (available in member portal).
  • Coverage Comparison Sheet – triggers, defense, hammer clause overview.