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Business coverage

Professional Liability / E&O

Professional liability, also called errors and omissions (E&O), covers claims that your advice, service, or work caused a client financial harm — even when you did nothing wrong. Many client contracts and California licensing boards require it before you can take on the engagement, and defending a single mistake claim can run well past what most firms keep in reserve.

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Who this coverage is for

Professional liability insurance, also called errors and omissions or E&O, is for businesses that provide advice, services, or professional expertise. It fits consultants, accountants, designers, tech firms, and anyone a client could accuse of a mistake.

What it can help protect

This coverage helps protect you when a client claims your work caused them financial harm:

  • Negligence claims — helps cover allegations that a mistake or oversight harmed a client.
  • Errors and omissions — helps with claims tied to work you did or advice you gave.
  • Failure to deliver — helps respond to claims that services were not performed as promised.
  • Legal defense — helps cover attorney fees and settlements, even for unfounded claims.
  • Missed deadlines — helps with claims that delays caused a client financial loss.
Regularly misunderstood coverages
E&O (Professional Liability) vs. General Liability

Errors in your work vs. bodily-injury claims.

Key choices and underwriting factors

A licensed review will usually focus on services performed, contracts, and client concentration, claims-made awareness and retro considerations, and project size and subcontractor/vendor dependencies.

Common Questions