Professional Liability - Errors and Omissions Insurance



It’s not about your professionalism, training, or years of experience. It’s about human nature. Mistakes happen to the best of us, no matter how experienced.

Yes, you can be sued, even if you didn’t do anything wrong. 

The simplest clerical error or proofreading mistake (even one made by a trainee) can cost you, especially if it results in financial loss or damage to the reputation of one of your customers.

That’s why it’s important to understand the extent of your business liability insurance since it only protects your operation against bodily injury, property damage, or advertising injury.

But what happens when you, one of your employees, or a vendor fails to catch something that your customer doesn’t miss, and they hold you responsible?

They can not only refuse to pay, they may also sue you for damages.

But with an errors and omissions (E&O) insurance policy (also known as Professional Liability policy), you’ll enjoy specialized liability protection against losses not covered by traditional business insurance.

Who needs E&O insurance?

E&O Insurance (Errors & Omissions) is frequently called Professional Liability. In the case of doctors, dentists, optometrists you'll hear the term Malpractice Insurance. If you provide a service for a fee, you may need Errors & Omissions insurance. People make mistakes - your employees, or even yourself. If you're sued, are you able to handle the legal fees and the potential judgment? If not, look into E&O insurance.

  • Doctors
  • Lawyers
  • Accountants
  • Architects & engineers
  • Wedding planners, caterers
  • Printers
  • Building-trades & contractors
  • Designers
  • Advertising agencies

If your service is possible to be done incorrectly or late, and it costs your client money or harms their reputation, you need to investigate E&O. Adding Professional Liability - Errors & Omissions to the General Liability is a frequent practice. Ask us if this is available to you.

What does E&O cover?

Errors and omissions protects you in the event you are held legally liable for your negligent acts. The policy will respond to defense costs and judgments, up to the policy limits, and in excess of the retention (deductible).

Errors and omissions insurance can be customized to meet your specific matter what your business or industry. Real estate agents face different risks than printing companies, but both have potential to impact their customers' lives and livelihoods if a mistake occurs.

Why We're Different - 

While many insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.

After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

Contact us today, and we'll help you protect what you value most.

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