Errors & Omissions (E&O) coverage that protects your business when a client claims your advice, service, or work caused them financial harm.
Overview
Professional liability insurance — also known as Errors & Omissions (E&O) insurance — protects professionals and businesses from claims that their services, advice, or work caused a client financial loss. Even if you did nothing wrong, defending a lawsuit is expensive. Professional liability covers your legal defense costs, settlements, and judgments, so a single claim doesn't threaten everything you've built.
Why It Matters
A dissatisfied client can file a claim even when you've done everything right. Legal defense alone can cost tens of thousands of dollars before a case is ever resolved. Professional liability insurance ensures that a single dispute doesn't drain your business finances or force you to settle a claim you shouldn't have to.
Is This Right for You?
Consultants and management advisors
IT professionals and technology service providers
Accountants and financial advisors
Real estate agents and brokers
Marketing and advertising agencies
Architects, engineers, and design professionals
Common Questions
General liability covers bodily injury and property damage claims. Professional liability covers financial harm caused by your professional services, advice, or work. Most service-based businesses need both.
It's not universally required, but many clients, contracts, and professional licensing boards require it. Even when it's not mandatory, the financial exposure of going without it is significant.
Most professional liability policies are "claims-made," meaning the policy must be active both when the incident occurred and when the claim is filed. We'll help you understand retroactive dates and tail coverage to ensure there are no gaps.
Coverage limits depend on your industry, contract requirements, and the size of your client engagements. We'll help you assess your exposure and find the right limit at a competitive price.
As an independent agency, we shop multiple carriers to find you the best rate. No obligation — just honest advice.
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