Active State Farm Agents are eligible to participate in the Agents' Errors & Omissions (E&O) program. While E&O coverage is not a requirement of any Agent's Agreement, the company does advise agents to consider their risk of operating an independent business and protect themselves accordingly. Please note that a number of states require E&O coverage as a condition of holding an insurance license. Your ability to represent some of State Farm's Alliance Partners is also dependent on carrying E&O coverage.
In order to participate in the Agents' E&O program agents must join the SF Risk Management Group, LLC. The SF Risk Management Group, LLC is a risk purchasing group established in accordance with federal law for the purpose of purchasing group E&O coverage for State Farm Agents. There is no cost to join or fees to remain a member of SF Risk Management Group, LLC.