Commercial Lines Coverage
Errors & Omissions (E&O) coverage for consultants, contractors, and service professionals — protecting you when a client claims your work caused them financial harm.
Even the most skilled professionals make mistakes — or face clients who believe they did. Professional liability insurance (also called E&O or malpractice insurance) covers legal defense costs and settlements when a client sues over alleged errors, omissions, or negligence in your professional services. One lawsuit can be financially devastating without it.
Business, financial, HR, and management consultants whose advice directly impacts client outcomes.
Software developers, IT consultants, and tech firms whose systems or code could cause client losses.
Agents, brokers, and property managers face E&O claims regularly — coverage is often required by brokerages.
Doctors, therapists, and other healthcare professionals need malpractice coverage for patient care claims.
Design professionals whose plans and specifications are relied upon for construction projects.
Tax and accounting professionals whose work directly affects clients' financial decisions and obligations.
General liability covers bodily injury and property damage. Professional liability covers financial losses a client suffers due to your professional errors or omissions. Most businesses need both.
Claims-made policies cover claims filed while the policy is active, regardless of when the incident occurred (within the retroactive date). This differs from occurrence policies, which cover incidents that happen during the policy period.
Yes. Contracts can limit liability but don't eliminate it. A client can still sue, and legal defense alone can cost tens of thousands of dollars even if you win.
It depends on your industry, contract sizes, and client requirements. Many contracts require $1M per occurrence. We'll help you determine the right limits for your practice.
Our licensed advisors will find you the best rate across 100+ carriers. No obligation, no pressure — we speak English and Spanish.