I've a question about E and O and if I should keep it or not. Bear with me though because I do think a little explanation is needed. I used to work for a call center, they covered my E and O and considering how I was mostly just selling FE insurance. I started to sell part time on the side and did some term policies and a few FE polices. Because I was selling outside my company I decided to get some E and O to cover my ass. I considered going full time independent but found a call center job where I can get an hourly wage + commission + residuals. However I'm not allowed to do any outside sales and have to cancel of current appointments. All my old business then will simply be serviced. The new job is mostly Medicare (Sups and MA plans) with smaller accessory plans (dental, vision, cancer, etc) on the side. I might have the odd FE here and there as well. I don't see any reason to carry E and O and I'm not sure but I think the company would cover me anyway. I'm checking that on Monday. So should I keep it just for safety's sake or save myself the cash?