Protection for Service-Based Businesses
If your business offers advice, consulting, or professional services, you could be at risk of lawsuits claiming negligence, mistakes, or failure to deliver. Professional liability insurance (also known as Errors & Omissions or E&O) helps protect your reputation and finances. We tailor each policy to fit your operations, explain your coverage clearly, and help ensure you're not paying for what you don’t need while avoiding risky gaps.
What Does Professional Liability Insurance Cover?
It covers legal costs, settlements, and judgments if a client accuses you of an error that causes them financial harm—even if it wasn’t your fault. We tailor each policy to fit your operations, explain your coverage clearly, and help ensure you're not paying for what you don’t need while avoiding risky gaps.
Why Service Businesses Rely on E&O Coverage
Even the most experienced professionals can face disputes over missed deadlines, miscommunications, or perceived bad advice. This policy ensures you're protected from the financial fallout of these situations.
Where It Matters Most
Consultants & Advisors
Protects against claims of bad advice or failed recommendations.
Accountants, Designers & Tech Pros
Covers professional services where errors can result in costly fixes.
Contract-Based Businesses
Useful when contracts include clauses requiring this type of coverage.
Professional Liability FAQs
Do I need this if I already have general liability?
Yes. General liability covers physical damage or injury, while E&O covers mistakes in your work or advice.
Is it only for large firms?
No. Freelancers, small firms, and individual consultants can all benefit from coverage.
What if the claim is groundless?
Your policy still covers legal defense, even if the claim doesn’t hold up in court.
Is it required for licensing?
In some industries or by certain clients, yes. We’ll help you determine if it’s necessary for your work.