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Professional Liability Insurance (E&O)

Covers claims of negligence, mistakes, or missed deadlines in the professional services you deliver to clients, essential for any business whose product is really its advice or expertise.

Get a quote for Professional Liability (E&O)

What it covers

  • Legal defense costs for claims of professional negligence or error
  • Settlements or judgments arising from a covered professional mistake
  • Claims of missed deadlines or failure to deliver as promised
  • Coverage extends even if the claim ultimately turns out to be groundless
  • Available for consultants, agencies, advisors, and other service-based businesses

What it doesn't cover

  • Bodily injury or property damage claims (that's General Liability)
  • Intentional wrongdoing or fraud
  • Employment-related claims like wrongful termination (that's Employment Practices Liability)
  • Criminal acts

Who needs this

Consultants, agencies, IT professionals, real estate agents, and any business where a client could reasonably claim your advice or work product caused them financial harm.

From our horror stories

The Design Mistake That Cost a Client

A consultant's advice turns out to be wrong, and the client's resulting losses land squarely on the consultant, who had no coverage built for exactly this kind of claim.

Read the full story →
Common questions

Professional Liability (E&O) FAQ

How is this different from General Liability?

General Liability covers physical injury and property damage. Professional Liability covers financial harm caused by your advice, work, or services, a completely different category of claim.

Do I need this if I've never had a complaint?

Most claims come as a surprise. This coverage exists specifically for the mistake or misunderstanding you don't see coming.

Is this required by any contracts I might sign?

Many client contracts, especially larger ones, require proof of E&O coverage before work begins. Worth having in place before it's a deal-breaker.

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