Professional Negligence Claims
Core coverageHelps cover allegations that your professional services caused a client loss.
- Mistakes, omissions, missed deadlines
- Defense costs (terms apply)
- Coverage depends on services described
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Errors & Omissions (E&O) Insurance
Help protect your business from claims tied to professional mistakes or missed details.
Client Financial LossCoverage for service-related losses
Legal DefenseHelp with covered defense costs
Contract ConfidenceMeet vendor/client requirements
Independent Brokerage
Fast Quotes
Personalized Coverage
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Quick helpHave a deadline, lender request, or need a certificate? We’ll help you move fast.
Have this handy:
- Service scope
- Contract requirements
- Revenue estimate
- Claims history
What is Errors & Omissions (E&O) Insurance?
E&O insurance helps protect service-based businesses from claims that a mistake, missed detail, or professional error caused a client a financial loss.
What does it cover?
Errors & Omissions (E&O) helps protect service providers from claims alleging mistakes, negligence, or failure to deliver a service as promised.
Breach of Contract (Certain Claims)
VariesSome policies may respond to certain contract-related allegations, depending on wording and endorsements.
- Policy language matters
- Not all breaches are covered
- Review contracts before binding
Defense Costs
Major valueHelps pay for legal defense associated with covered allegations—even if a claim is groundless.
- Attorney fees can be significant
- Inside vs outside limits varies
- Claims-made policies are common
Cyber/Tech E&O Options
If applicableEnhanced coverage options for technology and data-related services may be available.
- Data handling/services liability
- Network security options
- Eligibility varies
Good to know
E&O is typically claims‑made—continuous coverage matters. Ask us about retroactive dates and tail coverage.
Who needs it?
Consultants
Agencies
Technology providers
Real estate and financial services
Freelancers
Need proof of coverage?
We can help with quotes, policy questions, and certificate requests. Share your deadline and certificate holder details.
Frequently Asked Questions
What’s the difference between E&O and GL?
E&O covers professional services; GL covers bodily injury/property damage.
Is E&O required?
Often required by clients or contracts in service industries.
Does it cover intentional acts?
Typically no—policies exclude fraud/intentional wrongdoing.
Can I choose my limits?
Yes—limits and deductibles can be tailored.
What is retroactive coverage?
It’s the date from which past work may be covered under a claims-made policy.
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