Professional Liability (E&O) Insurance
If you provide advice, design, or management services, even a small mistake or missed detail can lead to expensive client claims. Errors & Omissions coverage protects your work, your finances, and your reputation from those risks.
We’ll break down how claims-made coverage works, including retroactive dates and tail coverage options. That way, you’ll understand your protections clearly and avoid gaps that could leave you exposed.
What We Help You With:
E&O COVERAGE →
Protects against client claims by covering defense costs, legal fees, and settlements for covered mistakes or oversights. This ensures your business can move forward even if a project doesn’t go as planned.
CONTRACT-READY FORMS →
Policies are structured with the warranties, retroactive dates, and certificate language clients and contracts often require. Having the right terms in place helps you win business without delays.
LIMITS & DEDUCTIBLES →
We’ll align your policy limits and deductibles with client and project requirements. This balance keeps you compliant while managing your out-of-pocket exposure.
INDUSTRY ENDORSEMENTS →
Tailored endorsements extend protection for industries like real estate, consulting, technology, and creative services. Specialized coverage ensures your unique professional risks are addressed.
BUNDLE WITH GL/CYBER →
Pair your E&O with general liability or cyber insurance for complete protection. Bundling helps close coverage gaps while simplifying your insurance program.
E&O FAQ
Why isn’t GL enough?
GL covers bodily injury/property damage; E&O covers financial loss from professional mistakes.
What’s a retro date?
The earliest date your work is covered. Keep it intact when switching carriers.
Do I need tail coverage?
Yes if you’re closing/selling a practice or risk late-reported claims.
How are claims handled
Notify us and the carrier ASAP; we coordinate defense and next steps.
What limits should I carry?
Match contracts and risk profile—often $1M/$1M or higher.