Insurance Agency & Agent Insurance Coverage Checklist
The coverages an insurance agency & agent business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for insurance agencies and brokerages. Priorities reflect typical exposure; confirm against lines written and marketing methods.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Insurance Agents E&O | Covers failure-to-procure and advice claims — confirm it covers every line and state written. | Core | |
| Cyber Liability | Covers breaches of client data and notification costs. | Core | |
| TCPA / Telemarketing Coverage | Covers call and text claims — excluded from most GL and many E&O forms. | Situational | |
| Crime / Fidelity | Covers theft of premium trust funds. | Prevalent | |
| Business Owners Policy / GL | Covers office premises and property. | Prevalent |
The coverage gap most often missed
The most commonly missed gap for this class is TCPA coverage for lead-based marketing. Calls and texts to purchased leads carry $500 to $1,500 per message in damages, and most GL and many E&O policies exclude these claims. The federal one-to-one consent rule was vacated in 2025, but consent must still be provable. Agencies should confirm TCPA coverage, keep consent records for every lead, and document needs analyses and declinations.
Send us the checklist and we'll review your insurance agency & agent coverage line by line, then market it across multiple carriers that compete for your account.
Related: Insurance Agency & Agent Insurance · Insurance Agency & Agent Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an insurance agency & agent business need?
The core coverages for an insurance agency & agent business are Insurance Agents E&O, Cyber Liability. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my insurance agency & agent coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.