Errors, Omissions, Negligence
Core coverageHelps cover claims alleging professional mistakes, missed deadlines, or failure to perform.
- Client financial loss allegations
- Defense costs (terms apply)
- Common for consultants and agencies
AllGuard Insurance Brokerage Inc
Professional Liability Insurance
Help protect your practice from claims related to professional services and advice.
Errors & OmissionsCoverage for mistakes in services
Defense CostsHelp with covered legal defense
Contract ReadyMeet client requirements
Independent Brokerage
Fast Quotes
Personalized Coverage
Talk to an Agent
Quick helpHave a deadline, lender request, or need a certificate? We’ll help you move fast.
Have this handy:
- Services offered
- Annual revenue
- Contract requirements
- Prior claims (if any)
What is Professional Liability Insurance?
Professional liability insurance (often called E&O) helps cover claims that your services, advice, or work caused a client financial loss due to an error or omission.
What does it cover?
Professional Liability protects businesses and individuals who provide advice or services against claims of negligence or errors.
Misrepresentation / Inaccurate Advice
VariesCoverage may apply to certain allegations tied to advice or statements made in professional capacity.
- Policy wording matters
- Scope of services must be accurate
- Contract review recommended
Defense Costs
Major benefitHelps pay legal defense and related costs for covered claims.
- Inside vs outside limits varies
- Claims handling support
- Deductibles/retentions may apply
Claims‑Made Coverage
Know thisMany policies are claims‑made—coverage depends on when the claim is reported.
- Maintain continuous coverage
- Retroactive date impacts protection
- Tail options available
Good to know
If you need a COI for a client or contract, send the certificate holder details and deadline—turnaround is fast with complete info.
Who needs it?
Consultants
IT & tech services
Real estate professionals
Accountants
Agencies & 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
Is this the same as general liability?
No—GL covers bodily injury/property damage; professional covers service-related claims.
Do clients require it?
Many contracts require E&O/professional liability.
Does it cover past work?
Claims-made policies have retro dates—ask us to review yours.
How much coverage do I need?
Depends on contract limits and risk exposure.
Can I bundle with other policies?
Often yes, alongside GL and cyber options.
Get a Free Quote
Ready to protect what matters?
Request a free quote or speak with an agent.