Professional liability (E&O)
Errors and omissions coverage for claims that your professional work, advice or service caused a client a financial loss. General liability does not cover these claims.
What it covers
- Negligence, errors and omissions in professional services
- Defense costs, even for claims without merit
- Breach of contract and misrepresentation claims where covered
- Prior acts, subject to the retroactive date
Common add-ons
- Cyber and privacy extensions
- Disciplinary proceedings coverage
- Contractual liability
Who it's for
Consultants, real estate agents and brokers, IT and software firms, accountants and bookkeepers, marketing agencies, architects and engineers, home inspectors.
Common questions
What is a claims-made policy?
Most E&O policies cover claims made while the policy is active, for work done after the retroactive date. Keeping coverage continuous protects past work.
Is E&O the same as malpractice?
Same idea, different name. Medical, legal and design professionals usually call it malpractice; everyone else calls it E&O.
Related coverage
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