Commercial Insurance
Professional Liability (E&O)
Also called errors and omissions, it protects you when a client claims your professional advice, service, or work caused them a financial loss.
What it is
Professional liability, also called errors and omissions or E&O, protects you when a client claims your advice, service, or work cost them money. General liability handles physical injury and property damage, but it does not touch financial harm from a mistake, a missed deadline, or a recommendation that did not pan out. For advice-based businesses, E&O is essential.
What Professional Liability (E&O) covers
- Claims of negligence, mistakes, or errors in the services you provide
- Failure to deliver a service as promised or on time
- Legal defense costs even when a claim turns out to be groundless
- Settlements or judgments tied to a covered professional services claim
- Gaps general liability does not address, since it focuses on your work and advice
FAQ
Professional Liability (E&O): common questions
How is E&O different from general liability?
General liability covers physical injury and property damage. E&O covers financial harm from your professional advice or work, which general liability specifically excludes.
Who needs professional liability?
Consultants, accountants, real estate agents, IT and tech firms, designers, and anyone whose advice or service clients rely on to make decisions.
My client's contract requires it. Can you help quickly?
Send us the contract's requirements and your deadline. We will review the coverage needed and explain the options and next steps for obtaining a policy and certificate.
Guidance for your decision
Compare your options with a local agent.
We help you review professional liability (e&o) options from carriers including The Hartford, explain the differences, and choose coverage that fits your business.