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What Professional Liability (E&O) Insurance Requirements Apply in Florida?

Florida requires a title insurance agency to carry E&O with at least $250,000 per claim and an aggregate limit, with a deductible no greater than $10,000. A separate rule applies to a person outside a title agent or title agency who performs a search used to issue a title policy: that person needs at least $250,000 E&O and a deductible no greater than $10,000.

What Is Professional Liability (E&O) Insurance?

Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. Read the national Professional errors and omissions (E&O) guide.

Florida Professional Liability (E&O) Insurance Requirements

Requirement	Details
Title insurance agency E&O	At least $250,000 per claim and an aggregate limit; deductible no greater than $10,000 ¹
Title searcher outside title agency	At least $250,000; deductible no greater than $10,000 ²

What to Watch for With Professional Liability (E&O) in Florida

Check Who Performs the Search
The searcher rule is triggered when someone other than a title insurance agent or an employee of a title insurer or title agency performs the search used to issue the policy. Identify the actual searcher and employment relationship before deciding which requirement applies. ²
Agency Aggregate Has No Stated Figure Here
Florida law requires a title insurance agency to have an aggregate limit and sets the per-claim floor at $250,000, but this section does not state a numeric aggregate floor. Ask for the agency's actual aggregate and compare it with transaction volume and contract terms. ¹
An Attorney Is Not Automatically an Agency
Florida exempts a Florida attorney in good standing from title-agent licensing and appointment requirements, but an attorney-owned entity outside the active practice of law must be licensed and appointed as a title agency. Confirm which legal entity handles the closing and issues the policy. ³

Which Providers Have Documented Florida Licenses?

These providers publish a national listing for Professional errors and omissions (E&O); the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Florida. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

At-Bay
At-Bay Insurance Services LLC
Insurance producer, Surplus-lines broker · checked 2026-09-28
At-Bay’s license page lists P&C producer and surplus-lines broker license numbers for all 50 states and the District of Columbia. These are company disclosures and do not establish product availability in each jurisdiction. ¹⁰
At-Bay offers primary miscellaneous professional liability insurance.
Coalition
Coalition Insurance Solutions, Inc.
Insurance producer, Surplus-lines broker · checked 2026-09-28
Coalition’s license page lists producer and surplus-lines licenses for Coalition Insurance Solutions, Inc. in all 50 states and the District of Columbia. The page separately lists insurers; this record covers the brokerage entity only. ¹¹
Coalition offers miscellaneous professional liability as an addition to eligible Active Cyber policies.
Corgi
Corgi Insurance Services, Inc.
Insurance producer · checked 2026-09-28
Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. ¹²
Corgi lists miscellaneous errors and omissions coverage for service-based businesses.
ERGO NEXT Insurance
Next First Insurance Agency, Inc.
Insurance producer · checked 2026-09-28
ERGO NEXT’s current license table lists Next First Insurance Agency, Inc. in 50 jurisdictions, including Washington, DC; New York is excluded because its table rows name Next Insurance Services and AP Intego, not Next First. The table is company-reported; it does not establish product availability or provide state-regulator verification for each entry. ¹⁴
ERGO NEXT lists professional liability insurance, also called errors and omissions insurance.
Hiscox
Hiscox Insurance Company Inc.
Insurer · checked 2026-09-28
Hiscox’s U.S. company information states that Hiscox Insurance Company Inc. is licensed in all 50 states and the District of Columbia. This is company-reported insurer authority for this entity and does not establish which company issues every Hiscox-branded product. ¹³
Hiscox offers professional errors and omissions insurance for small businesses.
TechInsurance
Specialty Program Group LLC
Insurance producer · checked 2026-09-28
TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. ¹⁵
TechInsurance arranges professional errors and omissions insurance for small businesses.
Vouch
Vouch Specialty Insurance Services, LLC
Insurance producer, Surplus-lines broker · checked 2026-09-28
Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability. ¹⁶
Vouch lists errors and omissions among the core coverages in its professional-services programs.

Who Regulates Insurance in Florida?

Florida Office of Insurance Regulation

The Florida Office of Insurance Regulation licenses and regulates insurance companies and reviews rates and forms. The Department of Financial Services separately licenses insurance agents and handles consumer insurance complaints; its resource page links to both state license searches. ^4,^5,⁶

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 1-877-693-5236

Surplus-Lines Tax and Stamping Office in Florida

Reported tax rate. 4.94% of gross premium plus a 0.03% FSLSO service fee for policies effective July 1, 2026 or later ^7,^8,⁹

When Florida is the insured’s home state, Florida taxes the entire gross premium at 4.94%; the premium definition includes policy and similar insurance charges. The separate FSLSO service fee is 0.03% for policies effective July 1, 2026 or later. Surplus-lines policies do not receive Florida Insurance Guaranty Association protection.

Florida Surplus Lines Service Office

Questions to Ask Before You Buy Professional Liability (E&O) in Florida

Who will conduct each title search, and is that person an agent, title-company or agency employee, or another searcher?
What aggregate limit does the agency's E&O policy provide beyond Florida's per-claim minimum?
If an attorney-owned entity handles the work, is it active law practice or a licensed and appointed title agency?

Professional Liability (E&O) Insurance in Florida: FAQ

What E&O minimum does a Florida title insurance agency need?

At least $250,000 per claim and an aggregate limit, with a deductible no greater than $10,000. The statute leaves the numeric aggregate amount unstated. ¹

Does a Florida title searcher need E&O insurance?

Yes, if the person performing the search is not a title insurance agent or an employee of a title insurer or title agency and the search is used to issue a title policy. The minimum is $250,000, and the deductible may not exceed $10,000. ²

Sources for Professional Liability (E&O) Insurance in Florida

Florida Statutes 2026, § 626.8419. Florida Legislature; § 626.8419(1)(b). Accessed 2026-09-28.
Florida Statutes 2026, § 627.796. Florida Legislature; § 627.796. Accessed 2026-09-28.
Florida Statutes, § 626.8417. Florida Legislature; § 626.8417(4), (6). Accessed 2026-09-28.
Florida Office of Insurance Regulation. Florida Office of Insurance Regulation; Official regulator homepage; insurer regulation. Accessed 2026-09-28.
Resources. Florida Office of the Insurance Consumer Advocate; State page links to DFS agent search and OIR active company search. Accessed 2026-09-28.
Get Insurance Help. Florida Department of Financial Services; Insurance concern and formal complaint intake; consumer helpline. Accessed 2026-09-28.
Florida Statutes § 626.932: Surplus lines tax. Florida Legislature; 4.94% tax on gross premium; home-state taxation; statutory definition of premium. Accessed 2026-09-28.
FSLSO Bulletin 2026-02. Florida Surplus Lines Service Office; Service-fee rate effective July 1, 2026: 0.03%. Accessed 2026-09-28.
Surplus Lines Search. Florida Office of Insurance Regulation; Consumer guidance for nonadmitted insurers, including absence of FIGA protection. Accessed 2026-09-28.
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.