Professional liability (E&O)
If clients pay you for advice, design, software or a professional service, they can claim a mistake or missed deadline cost them money. Professional liability pays for your defense and covered settlements.
When a client says your advice or work cost them money, this is the policy that answers.
What does professional liability cover?
Professional liability insurance, also called errors and omissions (E&O), covers claims that your professional services caused a client financial harm through negligence, mistakes, omissions or failure to deliver what was promised. It pays defense costs, which add up quickly even when a claim has no merit, and covered settlements or judgments. Most policies are written on a claims-made basis, so the dates on the policy matter.
How we help
The right form for your work
Consultants, marketing and creative agencies, technology firms, design and other professionals each need different wording.
Contract requirements
Many client contracts require specific E&O limits. We match your coverage to them.
Claims-made, explained
We keep your retroactive date protected when you renew or change carriers, so past work stays covered.
Tail coverage
If you sell, close or retire, we help you arrange coverage for claims that come later.
Tech and cyber together
Technology firms often combine E&O with cyber in one policy.
Help at claim time
Report early, even when it's only a complaint. We help you notify the carrier the right way.
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Frequently asked questions
Who needs professional liability?
Any business that gets paid for expertise: consultants, accountants, IT and software firms, architects and engineers, marketing agencies, staffing firms and many more.
What does claims-made mean?
The policy that's in force when a claim is made responds, as long as the work was done after the policy's retroactive date. Letting coverage lapse, or losing your retroactive date when you switch carriers, can leave past work uncovered.
Isn't this covered by general liability?
No. General liability covers bodily injury and property damage. Financial harm from your professional advice or services needs professional liability.
Protect your professional work
We'll compare E&O policies that fit your contracts.