# What are Agentero's E&O Requirements?

## Agentero has specific requirements regarding your E&O coverage. Read more below.

### General Requirements

Agentero requires agents to maintain in full force and effect an **Insurance Agent's or Agency's E&O** policy issued by an insurer rated no less than **A- by A.M. Best.**

### Coverage Requirements

The policy must afford **at least $1,000,000 of liability coverage** per occurrence with a **maximum allowed deductible of $25k**.

Agentero requires that your E&O policy covers **personal and commercial lines Property and Casualty insurance**. If you are seeking appointments for life carriers, commercial auto carriers, or other lines of business, these lines of business cannot be excluded on your E&O.

### Document Requirements

Typically we require the COI for your E&O policy. However, E&O policies can exclude certain lines of business, like commercial, personal, life, commercial auto, and more and while many carriers list exclusions on the COI, some do not.

**We may require your full E&O policy, including all forms and endorsement pages.** This is particularly true for Next Insurance, who has many exclusions on their policies and does not list these on the COI, as well as carrier's like biBERK and Hiscox.

### How to Upload your E&O

Follow the [**instructions on this page**](https://support.agentero.com/knowledge/how-can-i-update-my-existing-eo?hsLang=en) to upload your E&O to Agentero.