Professional Liability

If you offer consultation or professional services, ask about professional liability insurance.

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ProFessional Liability

Protect yourself from costly mistakes

Errors and Omissions (E&O Insurance), is protection for your business from claims of negligence related to the professional services you provide. We also offer other coverages like EPLI and D&O.


E&O Coverage

E&O insurance can also offer coverage for claims arising from services provided in the past and work performed anywhere in the world. It's important to understand that a general liability policy won’t protect against these risks. E&O insurance offers a variety of coverage for small businesses including:

Alleged or actual negligence

Protects a business against actual or alleged errors and omissions when providing professional services, such as giving incorrect advice, an omission, or failing to deliver a service.

Defense costs

Provides legal defense when a covered claim is reported. Our carriers offer defense costs inside or outside of the liability limits.


Who needs E&O?

Small businesses that provide professional services or give advice to clients should consider purchasing E&O insurance. It provides protection when a business owner is sued for negligence because their work doesn't meet a client's expectations. Errors and Omissions insurance can also be required by a small business' clients when entering into a contract.

Businesses that often choose Errors & Omissions insurance include:

  • Accountants
  • Counselors
  • Real estate agents
  • Insurance Agents
  • Consultants
  • Attorneys
  • Engineers
  • Architects
  • Mortgage Brokers
  • Property Managers

Got questions? We have answers.

How much will E&O Insurance cost?

The national average cost for Errors & Omissions insurance is considered reasonable. While this information is helpful, it’s not customized to your unique situation. The premium for professional liability will depend on your business, business revenues or total transactions.

Learn which attributes of your business impact the cost of E&O insurance, and discover ways to reduce your premium.

Is Errors & Omissions insurance the same as Professional Liability?

No, Professional Liability is referencing one of 3 different types of policies E&O, D&O, and EPLI. Please consult our professional lines specialist for your specific needs.

Will E&O cover me even if the lawsuit is baseless?

General liability coverage only protects against “third-party” damages for which you’re responsible (i.e. bodily injury to others or damage to their property). Errors and Omissions insurance protects you from claims of neglect or professional errors.

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