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If your Restructuring to an S-Corp, and you get your new EIN, and apply for your Agency License through the state, do you need New E&O insurance or will your existing policy work, as you are the Agent in Charge / Principal of the Agency?
thanks will doYou need to for certain update your E&O as well as any & all commercial insurance you have, employee agreements & non-compete contracts with staff or sub producers.
commercial insures a specific named business or insured. So, changing the name or entity type can cause your policy to potentially not pay at claim time. Most E&O cover you as individual producer & any entity along with staff & sub producers, but you will for sure want to update it properly to match
Call your E&O carrier or agent & ask for sure