Captive Agent Looking to Do Outside P&C Needs E&O Help

Hey guys. I'm currently captive with Mass Mutual and they require a ridiculous amount of insurance to gouge me. I need to shop it out to find the cheapest option for their requirements. I would also like to do P&C business though as I'm picking up that licensing. So I'm wondering If I should pick up two seperate E&O policies with the life holding required minimums. And the p&c with a simple million. Or if it would make sence to pick up one policy that covers both. Anyways here are my requirements.


You must have coverage equal to or greater than $5,000,000 per claim

Policy must be writt
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