CITA Insurance Services

What CITA Insurance Services does

CITA Insurance Services is a Managing General Agency (MGA) specializing in professional liability Errors and Omissions (E&O) insurance for three SMB professional verticals in the United States: insurance agents (P&C, life, and wholesale life brokerage), registered investment advisors (RIAs), and title professionals (title agents, abstractors, closing/escrow agents, notaries). The company is the d/b/a of Brown & Brown Program Insurance Services, Inc., a subsidiary of publicly traded Brown & Brown, Inc. (NYSE: BRO), and was founded circa 1985 with headquarters in Orange, California. CITA holds California Insurance License #0B02587 and operates with delegated underwriting authority alongside admitted paper backed by an A+ XV A.M. Best-rated carrier (Arch Insurance for the Agents E&O program).

The product portfolio centers on three core E&O programs (Insurance Agents E&O, RIA E&O, and Title Professionals E&O), supplemented by a Cyber Liability Protection add-on and an online payment update portal. Core operational capabilities include in-house underwriting authority, in-house claims handling through Lancer Claims Services, a free risk management hotline staffed by senior risk management attorneys, and online instant-quote-and-bind functionality for eligible applicants. Distribution combines self-serve online applications, a phone-based inside sales channel, and an actively recruited broker/agent network, with partner program administrators CalSurance (RIA E&O) and Title Pac (Title E&O).

Revenue is generated on a commission basis from carriers for placing annual professional liability policies, with premiums starting as low as $1,250 for RIA coverage and policy limits up to $2M for Title E&O. Pricing is quote-based across most products with flexible payment options. No revenue figures are publicly disclosed. The business is operated as a division within Brown & Brown's diversified insurance brokerage platform rather than as a standalone reporting entity, and there are no independent venture capital or private equity ownership interests.

Name

CITA Insurance Services

Legal name

Brown & Brown Program Insurance Services, Inc.

Website

https://citainsurance.com

Company type

Private

Founded year

1985

Operating status

Operating

Headcount range

101–250 employees

Short description

CITA Insurance Services is a U.S. Managing General Agency providing Errors and Omissions (E&O) professional liability insurance to SMB insurance agents, registered investment advisors, and title professionals; it operates as a division of Brown & Brown, Inc. (NYSE: BRO) via in-house underwriting, in-house claims handling, and a multi-channel distribution model.

Ownership category

akta.pro rank

Product category

Professional Liability Insurance

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421), Insurance Agencies and Brokerages (524210), Insurance Carriers and Related Activities (524)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurance Program Administration & MGA/MGU Services (FSAEADAK)

akta.pro secondary industry

Commercial Lines Insurance Brokerage (FSAEADAB)

Keywords

• Professional liability insurance
• Errors and omissions coverage
• Managing general agency
• Commercial insurance brokerage
• Specialty property casualty programs

Headquarters

HQ city

Orange

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Others

Revenue model

1. Insurance Premiums/Commissions: CITA earns commissions from insurance carriers for placing professional liability (E&O) insurance policies for insurance agents, registered investment advisors, and title professionals. Revenue is generated through premium-based insurance products.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

CITA Insurance Services is an insurance broker and agency operating as a managing general agency (MGA) in the commercial property and casualty business, specializing in customized professional liability insurance programs. The company underwrites and distributes Errors and Omissions (E&O) coverage for insurance agents, registered investment advisors, and title professionals, with in-house underwriting authority and in-house claims management through Lancer Claims Services.

Product overview

CITA Insurance Services operates as a managing general agency offering a unified portfolio of professional liability insurance products, primarily focused on Errors and Omissions (E&O) coverage. The core product line consists of three specialized E&O insurance programs: E&O for Insurance Agents (covering P&C, Life, and Wholesale Life Brokerage), E&O for Registered Investment Advisors, and E&O for Title Professionals. These are complemented by add-on offerings including Cyber Liability Protection and an online Payment Update Portal. The company functions as a broker and agency in the commercial property and casualty business, providing customized insurance programs with in-house underwriting and claims management capabilities.

Differentiator

Problem solved

Functional benefit

Products and services

• E&O for Insurance Agents Errors and Omissions Insurance program for insurance agents covering P&C agents, life agents, and wholesale life brokerage agencies. Includes first dollar defense, defense costs outside limits of liability, capped deductible, and up to 80/20 consent to settle options. Underwritten by Arch Insurance Company with A+ XV A.M. Best rating.
• E&O for Registered Investment Advisors Errors and Omissions Insurance for Registered Investment Advisors with premiums as low as $1,250, offering instant no-obligation quotes and instant coverage binding. Includes RIA firm-level coverage, individual firm limits, prior acts coverage option, and life insurance agent coverage at no additional cost. Administered by CalSurance.
• E&O for Title Professionals Errors and Omissions Insurance for title agents, abstractors, closing/escrow agents, and notary public professionals. Policy limits range from $250,000 to $2,000,000 per claim/aggregate with deductibles starting at $2,500. Administered by Title Pac.

Quantifiable outcome

• Deductible capped at 2X Aggregate for Insurance Agents E&O
• +2 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Brown & Brown Program Insurance Services, Inc.coreOthers · 19 December 2011CITA Insurance Services is a d/b/a of Brown & Brown Program Insurance Services, Inc. Parent company is domiciled in California with CA License #0B02587. Brown & Brown, Inc. is the ultimate parent company.
• Arch Insurance CompanycoreTechnology or IntegrationArch Insurance Company underwrites CITA's Insurance Agents E&O policy. The policy continues for 90 days upon change of control with respect to Wrongful Acts occurring prior to the effective date of change.
• Title PaccoreChannel Partner/ Reseller/ DistributorTitle Pac administers the Errors and Omissions Insurance for Title Professionals program. Coverage includes Title Agents, Title Opinions, Abstractors, Closing/Escrow Agents, and Notary Public with policy limits from $250,000 to $2,000,000.
• CalSurancecoreChannel Partner/ Reseller/ DistributorCalSurance administers the Errors and Omissions Insurance for Registered Investment Advisors program, offering premiums as low as $1,250 with instant quote and bind capabilities.
• Lancer Claims ServicescoreTechnology or IntegrationLancer Claims Services handles in-house claims management for CITA's Insurance Agents E&O program. Claims can be reported online, by phone at 800-821-0540, or by mail.
• The Institutes Knowledge GroupminorChannel Partner/ Reseller/ DistributorCITA provides insureds access to discounted continuing education and accreditation resources from The Institutes Knowledge Group.
• LaPorte Insurance Agency ConsultingminorChannel Partner/ Reseller/ DistributorCITA provides insureds access to discounted agency loss prevention classes and E&O Audits from LaPorte Insurance Agency Consulting.

Scale indicators2 records

Recent moves7 records

Expansion highlights4 records

Broad incumbents

• Travelers: Major P&C carrier with a professional liability and management liability practice serving small and mid-sized professional services firms — broader incumbent with overlapping products.
• Markel: Specialty insurer with a broad professional liability portfolio for professional services and small businesses — overlaps with CITA's niches but spans many more verticals and risk classes.
• AIG (Professional Lines): Global insurer with a substantial professional liability and financial lines practice targeting professionals and financial institutions — broad incumbent competing for similar insureds.
• Tokio Marine HCC: Specialty insurance group with multiple professional liability and E&O platforms (including NAS Insurance) — broader parent-level incumbent with directly overlapping specialty offerings.

Direct peers

• Hiscox Inc. Specialty insurer with a strong professional liability and small-business E&O franchise targeting professionals and SMBs — directly comparable to CITA's niche E&O focus across multiple professional classes.
• Beazley: Specialty insurer with a leading professional liability and management liability practice serving professional services firms — overlaps directly with CITA's E&O for agents, advisors, and title professionals.
• NAS Insurance Services: Specialty MGA focused on professional liability and E&O for professionals and small businesses; closely mirrors CITA's specialty-MGA distribution model and target customer profile.
• Philadelphia Insurance Companies (PHLY): Carrier with deep professional liability and specialty programs for professionals and small businesses, including agents and financial services professionals — directly comparable product portfolio.

Others

• Arch Insurance Group: Carrier partner underwriting CITA's flagship Insurance Agents E&O program and a broader specialty liability writer — adjacent as an enabling carrier rather than a competing MGA.
• Brown & Brown, Inc. CITA's ultimate parent and one of the largest U.S. insurance brokerages; comparable as the broader brokerage ecosystem that CITA operates within rather than as a head-to-head MGA competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/CitaInsurance
• Facebookfacebook.com/CITA-Insurance-Agents-EO-Program-1633174436982446
• LinkedInlinkedin.com/company/cita-insurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CITA Insurance Services