RF Ougheltree Insurance

Insurance Agents/Brokers

With over 38 years of experience with this class of insurance, Brokers and Agents recognize Hull & Company, Inc. (RFO) as a trusted resource for managing the placement of responsive and competitive E&O coverage with many A.M. Best Rated ‘A’ - ‘A++’ (Excellent) Admitted and Non-admitted insurance companies.

Many PIA and Big I members who learn that trade association programs do not satisfy all coverage concerns and want more than the association program come to Hull & Company, Inc. (RFO) for assistance in obtaining coverage.

Not just a policy! We offer a comprehensive marketing and coverage analysis program that provides you with the security of knowing you are getting the best overall E&O value available in the marketplace. Not just a policy, but the most responsive policy that the market is able to provide.

Eligible Accounts:

No restrictions. Classes of Business we actively handle:

  • Agents
  • Appraisers
  • Brokers
  • Consultants
  • Claims Administrators
  • General Agents
  • General Underwriters
  • Life and or Health Agents or Brokers
  • Managing General Agents
  • Program Administrators
  • Surplus Lines Brokers
  • Premium Financiers
  • Notary Public
  • Underwriting Manager
  • Wholesalers


Available from Admitted and Non-admitted A.M Best “Excellent” insurance companies. Primary and Excess limits (Market capacity of over $100,000,000 for large accounts).

Coverage Features for eligible accounts:

  • Minimum premium as low as $2,000 for eligible accounts
  • Personal injury and advertising liability claims in the performance of professional services.
  • Broad Insolvency coverage
  • Deductible credits for early settlement
  • Policy aggregate deductible
  • Disciplinary Proceeding coverage
  • Loss of Earnings and Expense Reimbursement
  • Copyright infringement
  • Lecturer, educator and expert witness coverage
  • Coverage for negligent misdirection of financial or medical records
  • First dollar defense
  • Claims costs in addition to limit
  • Pre-Claim Subpoena Assistance
  • Punitive and Exemplary (where applicable by law)
  • Spousal and domestic partner liability
  • Optional coverage for financial planning
  • Prior acts coverage
  • Innocent Insured cover
  • Multi year Extended Reporting Period
  • Privacy/Confidentiality coverage
  • Optional coverage for Employment Practices defense coverage
  • Optional coverage for Data Breach and Privacy exposures
  • Risk Management Services available from certain carriers


Non-Standard Accounts New Business Application

Standard Accounts New Business Application

Personal lines property and casualty or individual life and health

This product targets retail agencies primarily producing personal lines property, casualty and individual life and health lines of coverage with less than $10,000,000 in premium volume.

Claim Supplement

Submission requirements:

  • Currently completed, signed and dated Insurance Agents/Brokers E&O Application
  • Coverage specifications along with details of the current policy including the limits, retroactive date and expiring premium
  • Minimum of 5 years currently valued loss run

Other Coverages:

All or most other coverages that comprise the Hull & Company, Inc. (RFO) practice are appropriate. Contact a staff broker to discuss a particular account.

All insurance product and/or coverage descriptions are informational only. It is neither an offer to sell nor a solicitation to purchase any particular insurance product. Coverage may not be available in all jurisdictions.