For you security, personal information such as email, phone, etc. are on a separate form than your credit card and bank information. This is why you must re-enter some information, such as your name, on each form.
Errors and Ommissions (E&O) Insurance is required through the brokerage. Two options are available. Either annual $295/yr (charged upon joining) or $60/transaction (deducted from each commission). An agent may change their selection at their anniversary date of joining the brokerage. If you are joining a team, annual is required. E&O insurance is non-refundable.