Protection when a client says you made a mistake.
Professional Liability—also called Errors & Omissions (E&O)—helps cover claims that your work, advice, or service caused a client a financial loss. If you give recommendations, design, consult, manage projects, or handle client data—this is the policy.
What Professional Liability (E&O) typically covers
Claims that your work, advice, or service caused financial harm—even if you did your job correctly.
Coverage often applies to mistakes, incomplete work, or timeline disputes that trigger a claim.
Legal defense can be the biggest expense. E&O commonly helps cover attorney fees and related costs.
What it usually does not cover
- Bodily injury / property damage (that’s generally General Liability)
- Employee injuries (Workers’ Comp / Occupational Accident)
- Intentional wrongdoing or fraudulent acts
- Cyber events (may need Cyber Liability depending on data exposure)
Exact coverage varies by carrier, class, and endorsements. We’ll match to your contracts + actual work.
Who usually needs E&O?
- Consultants, coaches, and project managers
- IT / MSP / software and tech services
- Marketing, media, and design professionals
- Bookkeepers and certain financial service roles
- Inspectors, notaries, and other service pros
If your client can sue you for a “bad outcome,” E&O is worth a serious look.
Common limits & deductibles
$500k / $1M are common starting points for many service businesses and vendor requirements.
Often $1,000–$10,000 depending on class, revenue, and prior claims.
Most E&O is claims-made. If you cancel, you may need “tail” coverage to protect past work.
FAQ
Is Professional Liability the same as General Liability?
No. General Liability is for bodily injury/property damage and advertising injury. Professional Liability (E&O) is for financial loss tied to your services, advice, or work product.
What does “claims-made” mean?
It means the policy must be active when the claim is made. If you stop coverage, you may need an extended reporting period (“tail”) to protect prior work.
How fast can I get a certificate?
Once coverage is issued, we can typically provide proof quickly. Timing varies by carrier and underwriting.
Can E&O be bundled with other policies?
Sometimes. Depending on your business, you may pair it with General Liability, Cyber, or a Business Owner’s Policy.