FARMERS AGENTS HAVE AN ADVANTAGE.

The Farmers sponsored E&O program contains wording which excludes an E&O claim if you fail to provide an available Farmers coverage that would have met Farmers Underwriting Guidelines and covered your insured’s loss if coverage had been in force. Once a claim is denied, it is up to you to convince Farmers to apply retroactive coverage which they don’t always do. Unlike the Farmers Sponsored Agent’s E&O program, the UFAA Errors and Ommissions program covers this risk to save you from paying for a client’s loss out of your own pocket.