Professional Liability Insurance Coverage
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Protect the Expertise Your Business Is Built On
Professional Liability insurance — commonly called Errors & Omissions (E&O) — protects businesses that provide professional services or advice. It responds when a client alleges that your work was negligent, that you made a mistake or omission, or that you failed to deliver a service as promised, and that they suffered a financial loss as a result.
Why You Need Professional Liability Insurance
General Liability covers bodily injury and property damage — not mistakes in your professional work.
A dissatisfied client only has to allege an error to sue; you do not have to actually make one.
Defense costs for even a baseless claim can be substantial for a small business.
Many client contracts require you to carry E&O coverage before you can start work.
Who Needs This Coverage
Professional Liability coverage is essential for:
Consultants, accountants, and financial advisors
Technology, software, IT, and web-development providers
Architects, engineers, and design professionals
Real estate agents, insurance agents, and brokers
Marketing, advertising, and staffing firms
Attorneys, medical, and other licensed professionals
What Professional Liability Insurance Covers
Professional Liability (E&O) responds to claims arising from the services you provide, including:
Negligence
Actual or alleged negligence in the professional services or advice you provide.
Errors & Omissions
Mistakes, oversights, and omissions in your work that cause a client financial loss.
Failure to Deliver
Claims that you failed to deliver a service as promised or on time.
Misrepresentation
Allegations of inaccurate advice or misrepresentation in the course of your work.
Defense Costs & Judgments
Legal defense, settlements, and judgments for covered claims — even groundless ones.
Personal Injury
Libel, slander, and similar claims arising out of your professional services.
