CREATED FOR INDEPENDENT AGENCIES
Welcome IAOA Memebers!
Introducing the Exclusive E&O Insurance Affinity Program with ASPEN
Welcome — I’m Zach Hirsch, founder of Hirsch Insurance Brokerage, fellow IAOA member, agency owner, and long-time supporter of this incredible community. Over the years, I’ve learned so much from fellow IAOA members and the relationships I’ve built through this network. Those experiences inspired me to create something meaningful — an E&O affinity program designed to deliver real value to the 10,000+ independent agency owners who make up IAOA.
Our goal was simple: offer a best-in-class policy form, tailored specifically for agencies like yours. And we believe we’ve delivered on that promise.
For the past 15 years, I’ve dedicated my entire insurance career to professional liability. I know firsthand how the right E&O coverage can make all the difference. Policy language matters. The right protection safeguards your agency, your reputation, and everything you’ve worked so hard to build. This isn’t about checking a box — it’s about securing coverage that’s competitively priced, aligned with your business model, and backed by people who truly understand the risks you face.
That’s why we partnered with Aspen Insurance to create this exclusive program for IAOA members. This collaboration brings together Hirsch Insurance’s deep expertise and personalized service with the financial strength and national reputation of Aspen — an A-rated carrier known for exceptional underwriting, proactive risk management, and responsive claims handling.
At Hirsch Insurance, professional liability isn’t just a line of business — it’s our core focus.
We’re honored to support the IAOA community and look forward to helping you protect what you’ve built — with coverage you can trust, from people who genuinely understand independent insurance agencies.
Welcome — I’m Zach Hirsch, founder of Hirsch Insurance Brokerage, fellow IAOA member, agency owner, and long-time supporter of this incredible community. Over the years, I’ve learned so much from fellow IAOA members and the relationships I’ve built through this network. Those experiences inspired me to create something meaningful — an E&O affinity program designed to deliver real value to the 10,000+ independent agency owners who make up IAOA.
Our goal was simple: offer a best-in-class policy form, tailored specifically for agencies like yours. And we believe we’ve delivered on that promise.
For the past 15 years, I’ve dedicated my entire insurance career to professional liability. I know firsthand how the right E&O coverage can make all the difference. Policy language matters. The right protection safeguards your agency, your reputation, and everything you’ve worked so hard to build. This isn’t about checking a box — it’s about securing coverage that’s competitively priced, aligned with your business model, and backed by people who truly understand the risks you face.
That’s why we partnered with Aspen Insurance to create this exclusive program for IAOA members. This collaboration brings together Hirsch Insurance’s deep expertise and personalized service with the financial strength and national reputation of Aspen — an A-rated carrier known for exceptional underwriting, proactive risk management, and responsive claims handling.
At Hirsch Insurance, professional liability isn’t just a line of business — it’s our core focus.
We’re honored to support the IAOA community and look forward to helping you protect what you’ve built — with coverage you can trust, from people who genuinely understand independent insurance agencies.
Program Overview
This affinity program was developed with one mission in mind: provide IAOA members with access to an industry-leading E&O policy form that balances broad coverage, flexible features, and affordability. While this may not always be the lowest-priced option in the marketplace, the goal is to deliver premium protection at a highly competitive rate—ensuring your agency is properly protected when it matters most.
IAOA members enjoy:
Affinity Program Administered by: Hirsch Insurance Brokerage, LLC
Underwritten by: Aspen Insurance Company
Exclusive to: IAOA members
Easy, short-form application to apply
Capacity: Up to $10,000,000
Revenue Requirements: No minimum revenue threshold
Admitted in all 50 states
As a valued member of the Insurance Agency Owners Alliance (IAOA), you now have access to an exclusive Errors & Omissions (E&O) insurance program developed by Hirsch Insurance Brokerage, LLC. This specially negotiated affinity program is underwritten by Aspen Insurance Company—an industry leader known for its strong underwriting, exceptional claims handling, and deep expertise in professional liability.
Exclusive
Coverage Features & Enhancements
As a valued member of the Insurance Agency Owners Alliance (IAOA), you now get access to features and coverages not found anywhere else.
Key Coverage Features
- Court Attendance Costs Coverage
- Duty to Defend Contract
- Administrative Proceedings Coverage
- Subpoena Inquiry Coverage
- Punitive Damages (where permitted by law)
- First and Third Party Cyber Coverage
- Multi-Year Extended Reporting Period Options
- Automatic 60-Day Post-Reporting Period
- Worldwide Coverage
- $10M Limit, Primary and Excess Available
Enhanced Coverage Extensions
- First Dollar Defense
- Defense Outside the Limit of Liability Option
- Choice of Defense Counsel
- Aggregate Deductibles
- Deductible Reduction Coverage – Reduce deductible by 50% per claim
- No Contractual Liability Exclusion
- Broad Definition of Professional Services (including HR consultants)
- Consent to Settle Provision: 70/30 Standard
Special IAOA Member Enhancements
IAOA Members receive additional coverage enhancements exclusive to this program.
- Association Enhancement Endorsement Credit
- Removal of the Insolvency Exclusion – including for substandard carriers
- Improved Consent to Settle Clause – amended to 80/20
- Automatic Double Aggregate Deductible
These enhancements were designed to deliver superior protection and flexibility beyond what’s available in the standard market.
Aspen Risk Management Hotline & Services
As an added benefit, Aspen policyholders gain free and confidential access to professional risk management resources. Aspen has partnered with the national law firm Wilson Elser Moskowitz Edelman & Dicker LLP to provide:
- Up to 2 hours of direct access to experienced attorneys per policy year
- 24/7 toll-free hotline or email consultation (response typically within 24 hours)
- Guidance on managing potential exposures and pre-claim situations
- Best practices for documentation, client interactions, and professional standards
- Ongoing risk education via newsletters, webinars, and a forthcoming resource portal
Why Aspen?
Founded in 2002, Aspen Insurance Company is a subsidiary of Aspen Insurance Holdings Limited and is rated A (Excellent) by A.M. Best. With offices throughout the U.S. and globally, Aspen specializes in complex professional liability solutions—including E&O coverage tailored specifically for insurance agents, brokers, MGAs, and consultants.
Aspen’s policies are supported by top-tier claims professionals and proactive risk management resources—making them an ideal partner for IAOA members who want reliable, forward-thinking protection.
Complete the application below. Or, if you prefer, you may download it HERE.
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