Insurance for Professional Mistakes
Professional liability (errors & omissions)
insurance
For businesses providing professional advice, services, or expertise, professional liability insurance can help with claims tied to alleged mistakes in judgment, decision-making, and work quality.
Introduction
What is professional liability (E&O) insurance?
Professional liability insurance can help cover certain claims tied to the quality or outcome of a business’s professional services that are typically not addressed by general liability coverage.
It usually responds when clients allege your work caused them financial harm, including claims that are ultimately groundless, and may help cover legal defense expenses and potential settlements related to covered claims.
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The Coverage
What can professional liability (E&O) insurance cover?
Helps cover allegations that your business failed to meet professional standards or exercise reasonable care in delivering services.
Helps cover claims alleging mistakes, oversights, or missed steps in professional work that result in financial loss for the client.
Helps cover claims alleging contracted services were not delivered as agreed or were incomplete.
Helps cover claims alleging negligent misrepresentation, such as incorrect, misleading, or overstated information caused a client financial loss.
Helps pay attorney fees, expert witness costs, and court expenses, even when claims are groundless.
Helps pay settlement amounts or court-awarded damages related to covered claims.
Coverage described above is general; actual coverages, definitions, and exclusions vary by policy form, state and insurer.
Top Industries
Who can benefit from professional liability (E&O) insurance?
Additional Coverage
Other types of coverage
you might need
While professional liability insurance can help with service-related claims, businesses may need additional policies to address risks such as third-party bodily injury, property damage, and employee injuries that are typically not addressed by professional liability coverage.
Business Owners Policy (BOP)
Bundled coverage for
small businesses
A business owners policy bundles general liability and commercial property coverage, helping cover assets and third-party risks not addressed by professional liability insurance.
Common Questions
Professional liability
insurance FAQ’s
Got questions? Don’t worry, you’re not alone. Here are some of the most common questions from business owners about professional liability insurance.
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