What is Errors and Omissions Insurance or E & O?

E&O Insurance is a professional liability insurance that protects companies and or individuals against claims made by clients for inadequate work or negligent actions.  Errors and Omissions insurance covers both court costs and any settlements up to the amount specified on the insurance contract. 

E & O Coverage is required with ALL the carriers in order to submit business with them, except the following:

  • American Amicable
  • United Home Life (UHL)
  • TransAmerica
  • Mutual of Omaha

Keep in mind that if you use the following company to enroll, you will need to get contracted with Foresters.  You can do this by emailing your upline manager to request to be appointed with and contracted with Foresters. This is VERY important, or otherwise your coverage with this company would be invalid.  To receive this coverage at a discounted rate, it does require appointment and contracting with Foresters. Please email your upline Manager to request to be contracted with Foresters once you have gotten your E&O Coverage. 

To get appointed with, and to submit business with the insurance carriers, you need to have  your Errors & Omissions Insurance with at least $1M of coverage and the certificate dated PRIOR to the date on the submitted application.


  1. To sign up for this coverage you can go to the sponsored SFG E&O coverage program at http://www.360coveragepros.com/sfg/errors-and-omissions to enroll and read more about the coverage. You will receive a certificate at the end that you will need to send to [email protected] and CC your upline manager.
  2. Another option for coverage which may be slightly less expensive would be with calsurance. You will need to contact your upline and request to be contracted with Foresters once you have gotten your E & O coverage certificate.  To sign up for this coverage go to http://www.calsurance.com/iof/ and click on “Enroll Now” and follow the instructions. When asked for an agent number, if you are not yet contracted with Foresters, simply check the box that you are a new agent and do not have one yet.  You will receive a certificate at the end that you will need to send to [email protected] and CC your upline manager.  Also request to be enrolled with Foresters.