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.
Headquartered in Overland Park, KS and serving clients across multiple states, our team provides straightforward guidance to help you make informed insurance decisions.
If you’re comparing insurance options or reassessing your current coverage, we’ll help you evaluate what you have, identify potential gaps, and find a path forward that makes sense for your situation.
Headquartered in Overland Park, KS, with licensed support across the Midwest, South, Northeast, and West.
Dream Assurance is licensed in 30+ states. Hover, tap, or click a highlighted state to see where we can help with coverage.
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Errors and Omissions Insurance
Errors and omissions insurance can help address allegations tied to professional services, but client work can also raise questions about physical injury, data-related risk, and proof of coverage. These related options can help you review the full insurance conversation before a contract requirement or claim creates pressure.
Review E&O CoverageRelated Coverage Options
General Liability Insurance Helps with third-party injury and property-damage claims, which are different from allegations that professional services caused financial harm. Cyber Liability Insurance Helps you review data and security risks that may arise when your work involves client systems or information. Certificate of Insurance (COI) Get help reviewing certificate-holder details or requested wording before you send proof of coverage to a client or contract partner.Need help?
If you want help reviewing the services you provide, client contract requirements, or policy wording, our independent agents are ready to help.
Our team has the skills, experience, and readiness to help our customers.
We value getting to know our customers and helping them make their insurance dreams a reality.
We love to learn more to help our customers make the insurance process easier.
