$1,250 sounds like the "minimum premium" for the E&O carrier. I work with insurance agent E&O and I can say that is a very inexpensive premium. We do offer specific policy forms for our association members. For non-members, we do charge a "non-member fee". That's just the...

Big-I state associations have a wonderful product with Beazley (it's a member -only benefit policy form that is slot rated for agencies under 5M in revenue). It's actually a bit better in sub-limit coverages (and pricing) then their regular Beazley form available through various distribution channel...