Modern Insurance Consultants
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IT Consultants E & O
New and Improved Insurance Agents E&O Program
Modern times demand modern solutions for your professional liability coverage.

We are a specialist insurance agency dedicated to providing our professional clients the finest professional liability E&O insurance programs available at competitive prices.

We specialize in servicing the E&O needs of insurance agents, brokers, MGAs and insurance companies as well as mortgage brokers, title agents, architects, engineers, land surveyors, accountants, real estate agents, healthcare professionals and consultants.

Since 1993, Modern Insurance Consultants has placed thousands of E&O policies for professionals across the United States. We have experience and success in placing difficult and/or problematic accounts.





View our Policy Form Carrier:
  • Underwriters at Lloyds, London
Policy Form:
  • Aggregate deductibles
  • Duty to defend/consent to settle basis
  • 30/70 hammer clause
  • Supplemental payments for Defendant and Disciplinary Proceeding Reimbursement
  • Includes independent contractors
  • Definition of Insured includes lawful spouse
  • Definition of claims includes written demand for money or service
  • Insolvency of AM best rated Carrier of A-
  • Bilateral ERP up to 36 months
  • Appetite includes start up operations
  • Personal Injury - Negligent act, error or omissions arising from professional activities resulting in:
    • Defamation
    • Libel
    • Slander
    • Product disparagement
    • Trade libel
    • Infliction of emotional distress
  • Network Security - Negligent act, error or omissions arising from professional activities resulting in:
    • Inability of third party to access computer systems
    • Failure to prevent transmission of malicious code from computer systems to third party computers and systems
    • Failure to prevent unauthorized access to computer systems which results in
      • Destruction, deletion or corruption of electronic data or computer systems
      • Theft of data from computer systems
      • Denial of service attackers against internet sites or computers


  • Up to $2,000,000



  • Premium from $1,200 and Deductibles from $1,000

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