Commercial Insurance
Professional Liability (E&O) Insurance
Professional liability insurance — often called Errors & Omissions (E&O) — protects professionals and service-based businesses from claims that their advice, services, or work caused a client financial harm. Unlike general liability, which covers physical injuries and property damage, professional liability focuses on the economic losses a client may claim resulted from your professional mistakes, oversights, missed deadlines, or failure to deliver promised results. For professionals whose services create significant client reliance, this coverage is essential.
What Professional Liability (E&O) Insurance Can Help With
Coverage options vary by carrier and situation. A licensed agent can explain what applies to your specific needs.
Claims that your professional advice or service caused a client financial loss
Defense costs for lawsuits alleging negligence, errors, or omissions in your work
Breach of contract claims related to professional services
Missed deadlines or failure to deliver promised outcomes
Misrepresentation claims related to professional guidance
Claims arising from work performed by subcontractors or staff under your supervision
Who Often Explores Professional Liability (E&O) Coverage
Every situation is unique — a licensed agent can help you decide whether this coverage makes sense for you.
Consultants, advisors, and management professionals who provide expert guidance for fees
Insurance agents, financial planners, and real estate professionals
Technology companies, software developers, and IT consultants
Marketing agencies, graphic designers, and creative services professionals
Healthcare practitioners, accountants, lawyers, and other licensed professionals
Any service business where clients rely on your expertise and could suffer financial loss from errors
Frequently Asked Questions
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Coverage options vary by carrier and state. A licensed agent can explain details and availability.
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