Coverage for professional errors.
Protection against claims of errors, omissions, and negligence in the professional services you provide.
Professional liability — often called errors and omissions (E&O) coverage — helps protect professionals against claims that their work caused a financial loss. It addresses a different exposure than general liability, which covers bodily injury and property damage. We help you understand the distinction and review options for your profession.
Errors & Omissions
Coverage for claims arising from errors or omissions in the professional services you provide.
Professional Mistakes
May help cover claims related to mistakes in the delivery of professional services.
Negligence Allegations
Protection against allegations of negligence in your professional work.
Financial Loss to Clients
May address claims of financial loss caused to clients by your professional services.
Defense Costs
May help cover the cost of defending against covered claims, subject to policy terms.
Claims-Made Basis
Professional liability is often written on a claims-made basis, meaning coverage depends on when the claim is made.
Tailored to the Profession
Policies may be tailored to the specific services and risks of a profession.
Different From General Liability
Professional liability addresses errors in services; general liability addresses bodily injury and property damage.
Common among advice- and service-based professionals.
Professional liability is commonly needed by professionals who provide advice, expertise, or specialized services. When a client claims that your work caused a financial loss, this coverage may help address the claim.
Because the exposure depends on what you do and how you deliver it, we help review options tailored to your profession and the services you provide.
Consultants & Advisors
Professionals who provide advice or expertise may face claims of errors or omissions in their guidance.
Real Estate & Insurance
Agents and brokers may face allegations of mistakes in transactions or coverage placement.
Technology & Creative
Technology and creative professionals may face claims related to deliverables and project outcomes.
Healthcare & Legal
Where applicable, licensed professionals may face malpractice-style claims addressed by professional liability.
Understanding professional liability.
What's the difference between professional liability and general liability?
Professional liability covers errors or omissions in the services you provide. General liability covers third-party bodily injury and property damage. Many professionals need both.
Is professional liability required?
It is often required by contracts, clients, or licensing boards, depending on the profession. We help confirm what may apply to you.
What does claims-made mean?
On a claims-made policy, coverage generally applies when the claim is made during the policy period, subject to retroactive dates and other terms.
Do I need it if I work carefully?
Even careful professionals can face allegations of errors. Professional liability may help cover the cost of defending and resolving covered claims.
Request a professional review.
Tell us about the services you provide and we'll help you review professional liability coverage options.