When Your Advice Is Your Product.

Errors & Omissions (E&O) insurance protects you when a client claims your service caused them a financial loss.

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Because Anyone Can Make a Mistake

If you provide expertise, advice, or professional services for a fee, you have a specific risk that General Liability does not cover: Financial Injury.

General Liability covers bodily injury (someone tripping in your office). But if you are a web developer and your code crashes a client's e-commerce site on Black Friday, or you are a consultant and your strategy loses a client money, they can sue you for negligence.

Professional Liability (E&O) is your defense against these claims. It pays for your legal team and any settlements, ensuring a lawsuit doesn't bankrupt your practice.

Professions That Need E&O

We tailor policies for specific industries:

Technology: Developers, IT Consultants, MSPs.
Finance: Accountants, Bookkeepers, Tax Preparers.
Real Estate: Agents, Brokers, Property Managers.
Design: Architects, Engineers, Interior Designers.
Consulting: Management, Marketing, HR.

What E&O Protects You From

Negligence & Errors

The core of the policy. It covers claims that you made a mistake, gave bad advice, or failed to perform your professional duties according to industry standards.

Calculation Errors
Missed Deadlines
Failure to Deliver Services

Defense Costs

Even if you did nothing wrong, being sued is expensive. E&O policies cover your legal defense costs, which can easily exceed $50,000 even for a frivolous lawsuit.

Attorney Fees
Court Costs
Expert Witnesses

Copyright & Libel

Critical for marketing agencies and web designers. Protects you if a client claims your work infringed on someone else's intellectual property or damaged their reputation.

Copyright Infringement
Libel & Slander
Plagiarism Claims

The "Claims-Made" Trap

Most General Liability policies are "Occurrence" based (coverage depends on when the accident happened).

Professional Liability is different. It is almost always "Claims-Made." This means you must have insurance active both when the work was done and when the lawsuit is filed.

If you cancel your policy today and get sued tomorrow for work you did last year, you have no coverage unless you purchase "Tail Coverage" or maintain your "Retroactive Date." We help you manage these dates so you never have a gap.

✔ Retroactive Date: We ensure your new policy covers your past work history.
✔ Tail Coverage: Options to extend reporting periods if you retire or sell the business.
✔ Contract Review: We check your client contracts to ensure your limits meet their requirements.

Review My Policy Dates

Common E&O Questions

Is E&O the same as D&O?

No. E&O covers professional mistakes. D&O (Directors & Officers) covers the board of directors against management decisions (like misuse of funds). We can quote both.

Does E&O cover data breaches?

It depends on the policy. Some Tech E&O policies include Cyber Liability, but often it is a separate policy. We recommend carrying both for full protection.

What limit should I carry?

Standard limits start at $1,000,000. However, many client contracts will dictate the minimum limit you must carry to win the bid.

Can I deduct the cost?

Yes, business insurance premiums, including Professional Liability, are generally 100% tax-deductible business expenses. (Check with your CPA).