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What Is Professional Liability (Errors & Omissions)?
Professional Liability, also called Errors and Omissions, helps protect your business when a client claims your work caused them a financial loss. It can cover legal defense and settlements tied to alleged mistakes, missed details, or professional advice.
What Does Professional Liability (Errors & Omissions) Cover?
It covers claims alleging negligence, errors, omissions, misrepresentation, or failure to deliver professional services as promised. It often pays attorney fees, court costs, and settlements, subject to your policy terms.
A client says your advice cost them money
A missed deadline leads to a contract penalty
An error in deliverables forces rework
Key Features of Professional Liability (Errors & Omissions)
Pays for legal defense, even if you disagree
Claims can be expensive before anyone decides who is right. E&O typically helps cover attorney fees, expert witnesses, and court costs tied to covered allegations, up to your limits.
Built for financial harm, not physical injury
General liability is geared toward bodily injury and property damage. Professional liability is designed for client financial losses tied to your services, advice, or work product.
Can be tailored to your services and contracts
Coverage can be aligned to what you actually do, how you bill, and what your client agreements require. Limits, deductibles, and endorsements matter, especially for regulated or high-stakes work.
Professional Liability (Errors & Omissions) Made Simple
Everything you need to know about this coverage, from basic definitions to real-world application scenarios.
