HOW TO APPLY 
To begin your application, click on the link below that applies to you. You will be directed to the Ryan Insurance Strategy Consultants-sponsored E&O insurance website or application. 
Affordable Errors and Omissions insurance options for Registered Investment Advisors (RIA), Investment   Advisor Representatives (IAR) and Financial Planners.

E&O Insurance for Individual RIAs & Advisors


​What is RIA E&O Insurance?
Errors and Omissions insurance, also called E&O insurance, is a type of professional liability insurance that safeguards RIAs against financial damages arising from an alleged error or omission the firm makes while rendering professional services defined by the language of the insurance policy. In layman’s terms, it helps protect the RIA, RIA owner(s) and RIA representatives if a claim states you made a mistake or forgot to do something important that causes financial harm to a client.

Why do RIAs need E&O Insurance?
Being in a position of financial advisement can create professional liability when an error or omission occurs. Mistakes happen. A client lawsuit can cost thousands of dollars in defense costs alone. If found liable, a financial representative or RIA can face a judgment that costs even more. Having an E&O insurance policy affords you representation by expert legal counsel to protect your career and future earnings. Your business, reputation, even personal assets can be safeguarded against the high costs associated with client litigation and court settlements.

What does RIA E&O insurance cover?
Not all E&O insurance policies are the same. It’s important to understand your policy’s coverages, exclusions, limits, deductibles and other key policy provisions. NAPA Premier E&O insurance policies are specifically designed to protect RIAs, IARs and financial advisors. Coverage extends to certain fiduciary work and those who hold Life & Health insurance licenses
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​Ryan Insurance Strategy Consultants, now powered by Gallagher Affinity, offers RIA E&O and Cyber insurance ​for
FPA members through NAPA Premier.