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

Indiana requires registered managing general agents to maintain E&O of at least $250,000 or 25% of attributable gross direct written premium, whichever is greater, capped at $10 million. The limit must be adjusted by July 1 each year, and the insurer files proof for the MGA.

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.

Indiana Professional Liability (E&O) Insurance Requirements

Requirement	Details
Registered managing general agent E&O	Greater of $250,000 or 25% of attributable gross direct written premium, capped at $10 million ¹

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

Premium Volume Sets the Limit
The E&O formula uses the greater of $250,000 or 25% of the gross direct written premium attributable to the MGA, subject to a $10 million ceiling. Ask how the insurer calculated attributed premium and retain the calculation with the policy renewal file. ¹
Revisit Limits Before July 1
The rule requires the coverage limit to be adjusted on or before July 1 each year. If MGA premium volume changes, coordinate the update with the insurer before that date rather than waiting for a standard policy anniversary. ¹
The Insurer Handles the Filing
Proof is filed with the Indiana Department of Insurance by the insurer on the MGA's behalf at initial registration, with documentation of continuing coverage at renewal. The DOI requests the MGA application packet within 30 days after contract, so confirm who owns both filings. ^1,²

Which Providers Have Documented Indiana 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 Indiana. 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. ¹⁶
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. ¹⁷
Vouch lists errors and omissions among the core coverages in its professional-services programs.

Who Regulates Insurance in Indiana?

Indiana Department of Insurance

The Indiana Department of Insurance licenses and regulates insurance companies and producers, reviews rates and policies, and investigates consumer complaints. Its Consumer Services Division accepts complaints and the Department provides company and license searches. ^3,^4,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: (800) 622-4461

Surplus-Lines Tax and Stamping Office in Indiana

Reported tax rate. 2.5% of gross premium when Indiana is the home state ^6,^7,^8,⁹

Indiana’s surplus-lines premium tax is 2.5% when Indiana is the insured’s home state. Surplus-lines policies are outside Indiana guaranty-fund protection; before you buy, confirm the insurer’s identity and financial strength with your broker.

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

What attributable gross direct written premium did the insurer use to calculate the required limit?
Will the insurer adjust the policy limit by July 1 and file proof at initial registration and renewal?
Who tracks the 30-day initial application deadline after the MGA contract is signed?

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

How much E&O insurance does an Indiana managing general agent need?

At least the greater of $250,000 or 25% of gross direct written premium attributable to the MGA, capped at $10 million. ¹

When must an Indiana MGA's E&O limit be reviewed?

The limit must be adjusted on or before July 1 each year. The insurer files proof at initial registration and provides current-coverage documentation at renewal. ^1,²

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

Indiana Administrative Code, Title 760, Article 1, Rule 52. Indiana Department of Insurance / Indiana Legislative Services Agency; 760 IAC 1-52-5(a)–(e), pp. 193–194; readopted through Nov. 19, 2019. Accessed 2026-09-28.
Managing General Agent Initial Registration. Indiana Department of Insurance; Insurer application packet timing and filing responsibility; current IDOI guidance. Accessed 2026-09-28.
Indiana Department of Insurance. Indiana Department of Insurance; Official regulator homepage and insurance oversight. Accessed 2026-09-28.
Company/Entity Financial Compliance. Indiana Department of Insurance; Official Company Lookup queries live department data on licensed entities; producer resources linked separately. Accessed 2026-09-28.
Submit a Complaint Online. Indiana Department of Insurance; Online complaint portal and published consumer phone. Accessed 2026-09-28.
Indiana Code § 27-1-15.8-4: Tax on surplus lines insurance. Indiana General Assembly; 2.5% tax and insured home-state application. Accessed 2026-09-28.
Surplus Lines Agent Licensing. Indiana Department of Insurance; Official IDOI surplus-lines agent and company guidance; identifies surplus-lines insurers as companies not licensed to transact admitted insurance in Indiana and statutory eligibility conditions. Accessed 2026-09-28.
Guaranty Associations & Funds. National Association of Insurance Commissioners; Overview of state guaranty-association scope and nonadmitted insurers. Accessed 2026-09-28.
Guaranty Funds. Indiana Department of Insurance; Department description of Indiana P&C and life/health guaranty funds and their limits; together with the Department's surplus-lines company page distinguishing these nonauthorized companies from licensed insurers. 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.
About Risklytics. Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
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.