Get Insured 24/7 review for insurance agents: E&O cost, coverage and policy terms
Agent E&O pays to defend you and settle a client's claim that a mistake in your work cost them money. Get Insured 24/7 is an online brand for life and health agent E&O, and its enrollment now runs through Rockwood Programs' quote site.
Lloyd's underwriters issue the policy on a surplus lines basis, and you can bind in about 10 minutes.
- Best for
- Independent life and health agents who want to quote and bind E&O online in minutes
- Price
- Quote only, shown during the online application
- Insurer
- Certain Underwriters at Lloyd's, London, through Rockwood Programs
- Lines covered
- Life, accident and health, fixed and indexed annuities. Mutual funds are an add-on, and incidental P&C is an add-on everywhere except 16 states
- Policy form
- Claims-made and reported: the claim has to be made and reported during the policy period
- Admitted
- No. It's a surplus lines policy, so no state guaranty fund backs it
Our take
This suits a life and health agent who wants coverage bound online today, with general liability and disciplinary defense included. Incidental P&C is an add-on, not part of the base policy, and it isn't offered in several large states, including California, Florida, New York and Texas. You see the price only inside the quote.
Two cautions. It's a surplus lines policy with no state guaranty fund behind it, and the site says policies can't be canceled for a refund.
Pros
- Quote, bind and get the policy online in about 10 minutes
- General liability included at no extra cost
- Independent contractors covered
- Free pre-claims hotline
Cons
- No published prices
- Surplus lines, not an admitted insurer
- No refunds once bound
- Policy form isn't posted online
Who can buy
- Who can buy
- Independent life and health agents and retail agencies, including agents licensed under three years
- Agency size or revenue
- Commission income up to $1.5 million. Above that, contact Rockwood
- Prior claims
- Only a limited claims history is accepted
- Licenses
- The licenses your work requires
- Membership required
- No
What it costs
- How it's priced
- You answer the online questions and see a premium before you bind
- Payment options
- Pay in full during the online session, in US dollars
- Refunds
- Get Insured 24/7 says its policies can't be canceled, so no refunds are issued
Insurer and admitted status
- Issuing insurer
- Certain Underwriters at Lloyd's, London, rated A by AM Best
- Admitted
- Surplus lines
- Administrator
- Rockwood Programs, the Delaware managing general agency that now runs the Get Insured 24/7 online quote
- Brand history
- Get Insured 24/7 began in 2014 as an online life and health E&O brand
Policy form, prior acts and tail
- Policy form
- Claims-made and reported
- Retroactive date
- Set on your declarations page. It's the earliest date of past work covered
- Prior acts
- Rockwood says your retroactive date carries over if you change the insurers you sell for
- Tail options
- A one-year extended reporting period, which gives extra time to report claims after the policy ends
Claims-made means the policy in force when the claim is made pays it. Ask Rockwood for the full policy form before you bind, since it isn't posted online.
Limits, deductibles and defense
| Limit per claim | Aggregate | Deductible | |
|---|---|---|---|
| Lowest offered | $250,000 | $250,000 | $2,500 |
| Highest offered | $1 million | $3 million | $25,000 |
Per claim is the most paid on one claim. The aggregate is the most paid in a policy year.
- Deductible
- Applies to damages only, so defense starts from the first dollar
- General liability
- $100,000 included at no extra cost
Included and optional coverage
| Coverage | Included or optional | Limit |
|---|---|---|
| General liability | Included | $100,000 |
| Carrier insolvency | Included for insurers rated A- or better | Set on the policy |
| Independent contractors | Included | Within the policy limit |
| Disciplinary defense | Included | $25,000 |
| Lost wages for court days | Included | $500 a day, $5,000 total |
| Pre-claims hotline | Included, no charge | Staffed by legal professionals |
| Punitive damages | Included where the law allows | Within the policy limit |
| Cyber | Optional | Up to $100,000 |
| Financial products (mutual funds) | Optional | Set in the quote |
| Incidental P&C | Optional, not in 16 states | Set in the quote |
The financial products add-on doesn't cover variable annuities, stocks or bonds. Incidental P&C isn't offered in AL, AK, AZ, CA, FL, HI, KY, LA, MA, MS, NV, NJ, NY, TX, WA or WV.
How to apply
Go to the online quote
The Get Insured 24/7 enrollment page sends you to Rockwood's quote site.
Pick Direct Business
Choose a new business indication, or use Rockwood's Get a Quote page.
Answer the questions
Paper applications and supplements cover cyber, financial products, P&C or past claims.
Bind and pay
Rockwood says you can quote, bind and get the policy in about 10 minutes.
Questions go to Rockwood at 800-558-8808.
Claims and risk management
- How to report
- Ask Rockwood how to send notice when you buy
- Claims handled by
- The law firm London Fischer
- Claims help
- A free pre-claims hotline staffed by legal professionals
Get Insured 24/7 alternatives
- RockwoodQuote onlyThe same administrator's P&C agent programs
- NAPA E&OFrom $355 a year, newly licensed, $1M/$3M, $0 deductiblePublished life and health prices with monthly plans
- EOforLessFrom $374 a year, Medicare only, $1M/$1M, $0 deductiblePublished prices, including a Medicare-only plan
- CalSuranceQuote onlyNAIFA and NABIP association programs on admitted insurers
- HiscoxQuote onlyAdmitted insurer selling E&O direct online
See every option in E&O insurance for insurance agents.
Frequently asked questions
How much does Get Insured 24/7 E&O cost?
Prices appear only in the online quote. Your commission income, claims history, limit and deductible set the premium.
Is Get Insured 24/7 the insurer?
No. Lloyd's underwriters issue the policy, and Rockwood Programs, a managing general agency, administers it through the Get Insured 24/7 brand.
Does it cover annuities?
Fixed and indexed annuities, yes. Variable annuities aren't covered, even with the financial products add-on.
Can I cancel for a refund?
No. The site says policies are non-cancellable and refunds aren't issued.
Can I add P&C coverage?
Yes, as an incidental P&C add-on in most states. The states where it isn't offered are listed under included and optional coverage.
How we researched this review. We based this review on the terms and product pages published by Get Insured 24/7, reviewed in October 2026, together with our team's experience working with insurance agents and agency owners since 2008.
Corrections
Vendors change their pricing all the time and they don't email us when they do. So if you see a price on here that's gone up, a plan Get Insured 24/7 quit selling or a contract term that reads different now, let us know and send the link to the page where Get Insured 24/7 has it. Somebody here pulls up that page and checks it before we change anything on ours.