Miscellaneous Errors & Omissions - Eligibility Detail

Miscellaneous Errors and Omissions

Businesses and Professions that are eligible for Miscellaneous Errors & Omissions

State Farm Specialty Products offers our Miscellaneous Errors & Omissions Liability (Miscellaneous E&O) policy to a wide range of organizations:

  • Auctioneers
  • Billing Services
  • Commercial Printers (see Important Note (2) below)
  • Consultants (non-financial), including Management Consultants (see ineligible services)
  • Convention / Tradeshow Arrangement / Management
  • Copying / Duplication Services
  • Court Reporting Services
  • Direct Mailing & Marketing Services
  • Directory Publishers
  • Dispute Resolution Services
  • Employment Agencies/Executive Search Firms (no placement of healthcare workers; permanent placements only, except for clerical positions)
  • Escrow / Title Agents
  • Event Planning / Consulting
  • Fingerprinting services (ink and electronic scanning)
  • Graphic Design Services (package or product designers are ineligible)
  • Home Inspectors (Traditional only; please see ineligible list; minimum 2 years experience; not available in AK and VT)
  • Insurance Adjustors (No Public Adjustors; not available in AK, VT)
  • Insurance Agents - Property / Casualty only; not available in KY, no Managing General Agents - MGAs or MGUs; must represent "A" rated carriers only. Note: CA agents must have $10,000 Retention and minimum 5 years experience in operation of insurance agency

     

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  • Interior Designers / Decorators and Space Planning (if licensed, Interior Designers can be written under Architects & Engineers Professional Liability policy)
  • Mailing and Addressing Services such as those used for marketing campaigns. UPS and Postnet stores ineligible.
  • Marketing Firms (Including Incidental Advertising)
  • Market Research Firms
  • Message / Paging Services
  • Mortgage Brokers (not available in AK and VT.)
  • Mortgage Bankers (not the lending institution, see important note (1) below; not available in AK and VT.)
  • Notary Public Services
  • Process Servers
  • Property Management - for others - residential only (not available in AK, CO, ND and VT.)  E&O for property managers will be written with the Miscellaneous E&O policy and special endorsements tailored to their needs.  Please check here for more information on property managers.
  • Public Record Search Firms
  • Public Relations (Including Incidental Advertising)
  • Real Estate Agents / Brokers (not available in AK, CO, ID, IA, KY, LA, MS, MT, NE, NM, ND, RI, SD, TN or VT). E&O for real estate agents/brokers will be written with the Miscellaneous E&O policy and special endorsements tailored to their needs. Please check here for more information on Real Estate Agents/Brokers.  Target firms provide primarily residential sales/brokerage services. If services relating to commercial, industrial, undeveloped land or agricultural real estate exceed 20% of income / commissions, the applicant would not be eligible. Loan modification consulting, foreclosure consulting services and/or foreclosure specialists are also ineligible. Note: CA agents must have $10,000 retention.
  • Real Estate Appraisers (Residential Only, No Commercial; No "Drive By" appraisers; not available in AK, VT)
  • Relocation Services
  • Secretarial / Resume / Typing Services
  • Seminar / Training Providers (no degree or certification providers)
  • Tax Preparation Services and Bookkeepers (write an Accountants Prof. policy if available in your state)
  • Telephone Answering Services
  • Title Abstractors
  • Translation / Interpretation Services
  • Travel Agents / Tour Operators
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    NOTE (1): Mortgage Bankers - A mortgage banker is like an underwriter-- they have a certain authority to approve mortgages for an unrelated lending institution. We don't write E&O policies for the actual lending institution (the company that puts up the mortgage money).

    Ineligible Businesses

    The following list has examples of professionals that are not eligible for our Miscellaneous E&O policy:

    • 3D Printing Services
    • Actuaries
    • Accessibility Inspection Services/Code Compliance
    • Advertising Agencies
    • Apartment building owners
    • Appraisal Services doing "Desk" or "Drive By" appraisals
    • Architects (Architects & Engineers Professional Liability is available in many states)
    • Athletic Instructors / Trainers
    • Attorneys
    • Broker Price Opinion (BPO) Specialists
    • Business Brokers
    • CPA Accountants (Accountants Professional Liability is available in many states)
    • Certification/Standards Providers
    • Cemeteries (eligible under Not-For-Profit D&O)
    • Clinical / Testing Laboratories including those that perform medical or diagnostic testing, blood and urine testing; product testing and mechanical testing services
    • Code Compliance/Accessibility Inspection Services
    • Collection Agencies
    • Commercial Space Leasing
    • Commercial Property Management
    • Commercial Property Brokerage Services
    • Construction Loan Inspectors 
    • Construction/Project Management Consultants
    • Consultants engaged in medical or healthcare research
    • Consultants performing consulting work on behalf of a university
    • Consultants engaged in regulatory compliance issues
    • Consultants engaged in part-time research
    • Consultants engaged in academic research
    • Consultants engaged in service delivery/pipeline/production for utilities
    • Contractors, including construction, electrical, plumbing, HVAC, etc.
    • Contract negotiation, analysis or modeling consultants 
    • Credentialing Services
    • Credit Bureaus
    • Drafting Services 
    • Drive-By or Desk Appraisal Services
    • Driver's license, license plate or vehicle sticker issuers
    • Election Consulting and/or Training
    • Employee Benefit Plan Enrollment/Administration
    • Engineers (Architects & Engineers Professional Liability is available in many states)
    • Environmental Consultants
    • Event planners or promoters of concerts and festivals
    • Extreme Sports Operators / Providers
    • Farm Managers
    • Field Inspectors (Individuals hired by a bank to inspect and/or maintain foreclosed properties)
    • Financial Consultants, Managers or Planners
    • Foreclosure Consultants
    • Foreclosure Sales Specialists
    • Forestry Consultants
    • Franchisors or Franchise Area Developers
    • Freight Forwarders / Customs Brokers
    • Funeral Directors/Morticians
    • Graphic Designers engaged in product or package design
    • Home health care workers, services
    • Home Retention Consultants (Foreclosure Consultants)
    • Home Stagers
    • Immigration Services
    • Insurance Agents selling Life, Accident and/or Health Products
    • Landman
    • Libraries (eligible under Not-For-Profit D&O)
    • License plate, vehicle sticker and/or driver's license issuers
    • Life Coaches and/or Personal Coaches
    • Loan Modification Consultants
    • Lobbying or Lobbying Consulting Organizations
    • Marijuana/cannabis/kratom/CBD manufacture, distribution, retailer, lab or clinic (including any consultant to any marijuana/cannabis/kratom/CBD enterprise)
    • Media Exposure (podcasts and public speaking)
    • Movies, entertainment studios, production companies, casting/talent agencies
    • Packing/shipping services 
    • Part-time endeavors, project policies, side gigs, hobbies
    • Pest Control Services
    • Photographers
    • Physicians / Medical Professionals (Dentists Professional Liability is available in certain states), Chiropractors, and Optometrists
    • Political/Election Consulting and/or Training
    • Premium Finance Companies
    • Print Brokers
    • Private Investigators
    • Product or Packaging Designers
    • Property Managers managing commercial properties
    • Property Managers of non-residential properties that are owned or self-managed (e.g. landlords)
    • Publishers (Books, Magazines, Newspapers, Music, Video or Electronic)
    • Real Estate Agents Specializing in Foreclosure Sales
    • Restaurants
    • Risk Management or Insurance Consultants
    • Safety Consultants
    • Securities/Financial Products Brokers and Dealers
    • Short Sale Specialists
    • Social Service Organizations offering Adoption, Foster Care or Marital Counseling Services
    • Social Services for the Elderly and/or individuals with disabilities (e.g. individuals who provide assistance to others filing for Medicare, Medicaid or Social Security benefits)
    • Social Service Providers (Individual)
    • Social Service Providers (Other - may be eligible under Not-For-Profit D&O)
    • Telemarketing Services
    • Teachers/Tutors/Educational Evaluations/Consulting
    • UPS stores, Postnet stores or similar packing/shipping services
    • Utility Locating Services
    • Utilization Review Services
    • Vehicle sticker, license plate and/or driver's license issuers
    • Veterinarians
    • Zoning, Land Use or Urban Planning Consultants

    Still unsure about your client's eligibility?
    You can ask us a question via the "Ask Us A Question" e-mail button at the top of this page, or contact us via the toll-free number (1-866-737-6877).

    Important Notes (2)
    You may encounter situations where another insurer provides E&O insurance as an endorsement to a business policy or package policy. In such situations, it is a good idea to check our minimum premiums (see Home page). You will find our premiums to be very competitive; however, there are certain situations where we may not be able to match a particular premium.

    Start-up Businesses: Although we do consider the amount of time the applicant has been in business, we are willing to write start-up businesses where the key personnel have adequate experience (typically we want at least one year of experience). The applicant's resume is used to review background and qualifications.

    Claims Experience: The applicant's claims experience will be reviewed by our underwriters.

    Our Miscellaneous Errors & Omissions policy does not cover liability for bodily injury or property damage. We typically do not write professions that have a strong bodily injury / property damage liability exposure. Additionally, the General Liability coverage, often found in Business Package or BOP policies, may exclude liability arising from professional services, so that policy may not cover the bodily injury / property damage liability either.

    For some professions, we offer a Contingent Bodily Injury and/or Property Damage Liability endorsement, which provides contingent coverage under specified circumstances. See endorsements for details.

    Consider the Need for Other State Farm Specialty Products
    Professionals may also be interested in other State Farm Specialty Products, including our Employment Practices Liability Insurance policy.