Professional liability (E&O)
Errors and omissions coverage for businesses that give advice or provide a professional service. It responds when a client says your work, advice or a missed deadline cost them money.
What it generally covers
- Claims of negligence, mistakes or oversights in your services
- Claims that you failed to deliver what was promised
- Legal defense costs, even if the claim has no merit
- Settlements and judgments for covered claims
Who usually asks about it
- Consultants, advisors and agencies
- Technology, design and creative firms
- Licensed professionals and service providers
- Businesses whose client contracts require E&O
Common questions
How is this different from general liability?
General liability covers bodily injury and property damage. Professional liability covers financial harm a client says your service or advice caused.
What does claims-made mean?
Most E&O policies cover claims made while the policy is active, for work done after a retroactive date. Keeping coverage continuous matters.
Is technology E&O different?
It's a version of E&O built for tech companies and is often paired with cyber liability.
General information only. Coverage depends on the policy's terms, conditions and underwriting. A licensed agent can review what fits your situation.