Affordable insurance starts with an easy quote
Errors and Omissions Liability Insurance, often called Professional Liability or E&O, is the primary defense for any business that provides advice, consulting, or specialized services. While General Liability covers physical accidents, E&O covers your expertise. It pays for legal defense and settlements if a client claims your service was negligent, inaccurate, late, or caused them a financial loss.
In a service economy, client dissatisfaction often leads to litigation. You don’t have to be wrong to be sued; you just have to have a client believe you were wrong. The Small Business Administration (SBA) notes that the cost of litigation can destroy a small business, with average liability suits costing tens of thousands in defense fees alone. If you advise a client on a strategy that fails, they may look to you to recoup their losses.
We tailor policies to match the specific risks of your profession, ensuring you aren’t paying for coverage you don’t need.
Most direct quotes only cover the basics in the left column. We shop multiple carriers to secure the critical add-ons in the right column that actually protect your livelihood.
| Risk Area | General Liability | Errors and Omissions (E&O) |
|---|---|---|
| Bad advice causes financial loss | ✖ Excluded | ✔ Covered |
| Missed deadline lawsuit | ✖ Excluded | ✔ Covered |
| Breach of contract claims | ✖ Excluded | ✔ Covered |
| Copyright Infringement | ✖ Excluded | ✔ Covered (Media Policies) |
“How much does E&O insurance cost?” It varies significantly by industry risk. A wedding planner pays less than a financial consultant.
A “one-size-fits-all” policy leaves gaps. We ensure your policy matches your profession. “Independent Means Multiple Choices.”
Experience the confidence shared by the professionals we protect, and let us turn these options into a clear, comprehensive protection plan for you.
We’re here to help you explore your coverage options tailored to your needs.
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