Professional liability (E&O) insurance
When a client says your advice, design or service cost them money, E&O pays for your defence and settlements. We compare professional liability from specialist insurers for professionals and firms.
What is professional liability (E&O) insurance?
Errors and omissions insurance protects you when a client claims your professional work was negligent, incorrect or incomplete and caused them a financial loss. Even unfounded claims can cost thousands to defend.
General liability policies exclude professional services, so firms that advise, design or deliver expertise need E&O. We help you choose limits that satisfy your contracts and compare insurers who understand your profession.
Who it’s for
- Consultants and advisors
- Engineers and architects
- IT and technology firms
- Accountants and bookkeepers
- Marketing, design and media agencies
What your policy can include
The main coverages we review with every client. We’ll explain each one and help you choose the right limits.
Professional negligence
Covers claims that an error or omission in your work caused a client financial loss.
Legal defence costs
Pays lawyers and expert fees to defend you, even if the claim has no merit.
Settlements and judgements
Covers amounts you are legally required to pay, up to your limit.
Prior acts
Covers work done before the policy started, back to your retroactive date.
Employees and subcontractors
Extends to work performed on your behalf, depending on the policy.
Disciplinary proceedings
Some policies help with costs of defending regulatory complaints.
E&O insurance: what to know
Practical points we walk every client through before they choose a policy.
The policy in force when a claim is made responds, as long as the work happened after your retroactive date. Keeping coverage continuous protects past work.
Certain regulated professions require professional liability, while others need it to meet client contracts. We will check what applies to you.
Clients and public bodies often specify minimum E&O limits. We will match your policy to your agreements.
If you subcontract work, make sure your subcontractors carry their own professional liability and written contracts.
Popular add-ons
Extras worth considering, depending on your situation.
What affects your premium
Insurers look at these factors. Knowing them helps you keep your premium in check.
Covered in three steps
No long calls and no pressure. Most clients are done in one conversation.
Tell us what you need
Complete our online quote form, or call or WhatsApp a broker.
We compare insurers
We shop your coverage across multiple insurers and shortlist the best fit.
Choose and you’re covered
Pick your option. We handle the paperwork and send your documents.
Professional liability (E&O) insurance questions
Can’t find your answer? A licensed broker can help in a few minutes.
Ask on WhatsAppIt covers legal defence costs and settlements when a client claims your professional services caused them a financial loss through an error, omission or negligence.
General liability covers bodily injury and property damage. E&O covers financial loss caused by your professional advice or services. Most professional firms need both.
It is the date from which your policy covers past work. Claims arising from work done before that date are not covered, so maintaining continuous coverage matters.
Because E&O is usually claims-made, you may want extended reporting coverage, sometimes called tail coverage, to protect against claims about past work.
Common limits range from $1 million to $5 million. Your contracts, client size and the potential financial impact of an error should guide your choice.
Get your professional liability quote
Free, no-obligation quotes from a licensed broker who compares multiple insurers for you.