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Insurance Coverage for Your Agency

Big "I" Professional Liability Program

Your Trusted Source for Insurance Agents & Brokers E&O

For over 25 years, the Big "I" Professional Liability Program underwritten by Westport Insurance Corporation (rated "Excellent" by A.M. Best) has been the premier choice of IIA of Arkansas member agents for insurance agents and brokers E&O insurance.

Not Just an E&O Policy, A Comprehensive Program

The Big I Professional Liability Program offers not just a policy but a comprehensive program for insurance agents. Over the past two decades, the Big I Professional Liability Program, underwritten by Westport Insurance, has grown into the largest and most stable insurance agents E&O program in the nation. Our member agents look to the program for stable rates and a long-term market that they can rely on to protect their greatest assets of their businesses.

One of the strongest and broadest coverages in the marketplace

Structured using a modular approach, our policy provides solid core coverage, as well as coverage units to ensure against other exposures of concern.

These are just a few of the coverage benefits of the Swiss Re policy: 

  • Coverage for the sale of both P/C and Life and Health insurance products 
  • Limits of liability up to $15 million 
  • Broad definition of covered professional services and activities 
  • Comprehensive definition of who is an insured 
  • Aggregate deductibles 
  • Defense cost outside the limits 
  • Available first dollar defense 
  • Full prior acts available 
  • No contractual liability exclusion 
  • Coverage for punitive damages (where available by states) 
  • Multiple extended reporting period options 
  • True worldwide protection 
  • Coverage for advertising, libel, and slander
  • Available coverage units:
    • Employment Practices Liability
    • Real Estate Agent E&O

    * An insured who obtains their professional liability coverage for insurance producers through the Independent Insurance Agents of Arkansas sponsored program will earn a 10% credit on their total annual premium if they attend an approved loss control seminar and have a three-year claim-free history. This credit will apply to the annual premium due as of the next policy anniversary date or policy inception date and, depending on continued loss-free experience, will continue for two additional consecutive policy years after attending the seminar, for a total of three policy periods.

    *You must have a three-year claim-free history to receive this credit.

Send completed applications to Debbie Abels. Westports renewal applications are individualized and will be sent to the agency directly approximately 60 days before your expiration date. 

With more than 25 years of experience, Firemans Fund is an industry leader in providing E&O liability coverage for agents and brokers - one of the biggest issues they face in an increasingly complex world. The company is one of the largest writers of agents E&O coverage in the country.


Coverage Highlights

  • State of the art coverage form, exclusive to Big "I" members
  • $50,000 first party personal data compromise breach response for the accidental loss of client data, with optional higher limits available
  • First claim deductible is waived if you have been insured and claims free with Firemans Fund for five or more years
  • 80/20 consent to settle clause
  • True worldwide territory coverage
  • Insolvency coverage for all carriers with B+ or better A.M. Best rating
  • 90 day notice of merger or acquisition
  • $10,000/$30,000 catastrophe claims extra expense included at no additional premium
  • $35,000 regulatory investigation defense expense coverage per policy period
  • 60 days after expiration to report claims and purchase extended reporting provision
  • $500 per day supplementary payments for expenses incurred in aiding the defense of a claim
  • Aggregate deductible applies
  • Claims made policy form
  • Defense outside the limit
  • Broad definition of who is an insured, including spousal or domestic partner liability
  • Limits of liability available to $10 million

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Director of Insurance Services


The Big I Arkansas Insurance Agents Umbrella Program, underwritten by Penn National Insurance provides excess coverage that includes protection over the top of your E&O coverage, the Penn National Insurance Agents’ Umbrella Program is the icing on the cake. In today’s legal environment, increased limits are needed to protect your business. The Big I and Penn National Insurance have partnered to offer Big I members a comprehensive commercial umbrella that includes coverage over errors and omissions policies from a variety of carriers. With limits up to $10 million and $5 million of personal exposures for owners and officers, this unique product will help protect you against the liabilities involved in running your business. 


  • Commercial Umbrella coverage built to automatically include Agents/Brokers E&O
  • Marketed exclusively through producer associations
  • Designed to accept agents and brokers with a broad range of producer activities
  • Competitive pricing
  • Up to $20,000,000 limits available
  • Coverage for Agents/Brokers built to follow form over standard primary E&O policy coverages
  • Minimum primary coverage required GL/BOP and Agents/Brokers E&O

Coverage can include:

  • Excess Employers Liability in all states other than New York
  • Excess Employee Benefits Liability
  • Mutual Fund or Variable Annuities coverage

Options to include:

  • Up to $5,000,000 Personal Umbrella limits for entity principals (except in Texas & Wisconsin)
  • Up to $2,000,000 excess EPLI limits

Alyssa Circle Headshot.jpg


Director of Insurance Services

Employment Practices Liability

In today's litigious environment, the protection afforded by Employment Practices Liability Insurance (EPLI) coverage has become more valuable than ever. EPLI provides defense and indemnity protection against claims arising from the employer/employee relationship. Whether the staff size is 5 or 500, in today's environment every business is at risk. Employment Practices Liability Insurance concerns touch virtually every single business in the U.S. The increase in employment related lawsuits appearing in the media is just the tip of the iceberg, there are thousands more never heard about. For every suit filed in court, there are many others settled out of court for undisclosed amounts of money.

What can EPLI cover?

  • Failure to promote
  • Wrongful termination
  • Employment related misrepresentation
  • Sexual harassment
  • Negligent evaluation
  • Wrongful discipline
  • Defamation
  • Discrimination based on sex, age, handicap or race
  • Invasion of privacy
  • Emotional distress

Coverage forms available:

  • For Wesport E&O policyholders with 10 or fewer employees, an endorsement to the E&O policy providing limited coverage with a narrow selection of limits and deductible for a very reasonable cost (Download Application)

  • For all Westport E&O policyholders with over 10 employees, a stand-alone policy underwritten by Westport Insurance Corporation with broad coverage and several options for limits of liability and deductibles (Download Application)

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Evolve and Big I Arkansas have partnered together to provide all current and prospective members with an industry-leading cyber solution. As a member of Big I Arkansas, you will receive discounted rates to cover your agency and direct access to Evolve's program. Here are a few items that you will enjoy:

The Broadest Coverage on the Market

Businesses are starting to experience a wide and diverse array of losses, as cyber-attacks are evolving - it is no longer just data breaches that you need to worry about. Having a comprehensive policy in place will provide cover and peace of mind, knowing that your business is protected if and when a cyber claim occurs.

Expert Claims Handling

Evolve policyholders have 24/7 access to the largest cyber claims and in-house incident response teams in the world made up of over 90 best-in-class forensic experts and former data breach attorneys.

Free Risk Management Services

$5,000 worth of pre-breach services are included with every Evolve policy, allowing you to protect your business both on the front-end and back-end of cyberattacks.

Specialized Sales Tools

Utilize Evolve's streamlined sales and marketing resources to increase your own cyber bind ratio and bring in additional revenue for your agency.



Alyssa Circle Headshot.jpg


Director of Insurance Services