You give great advice and do great work — but even the best professionals make mistakes. E&O insurance protects you when a client claims your services caused them financial harm.
Professional liability insurance (also called Errors & Omissions) covers claims that your professional services or advice caused a client financial loss.
Covers claims that you failed to perform your services with the expected level of care or competence.
Protects against claims arising from unintentional errors in your work or deliverables.
Covers claims that you forgot something, missed a deadline, or failed to deliver on a commitment.
Protects when a client claims you didn't deliver the services outlined in your contract.
Pays attorney fees, court costs, and settlements — even for baseless claims.
Covers costs of defending against complaints filed with licensing boards or regulatory bodies.
Any professional who provides services, advice, or expertise to clients needs E&O coverage. One unhappy client can become one expensive lawsuit.
General liability covers physical injury and property damage. E&O covers financial harm from your professional services or advice. They protect against completely different risks — most professionals need both.
Low-risk consultants and small firms may pay $500–$1,500/year. Accountants, attorneys, and healthcare providers typically pay $2,000–$10,000+ depending on revenue and claims history.
No. E&O covers mistakes, errors, and negligence — not fraud or intentional misconduct.
Yes. A contract limits your liability but doesn't eliminate it. E&O pays to defend you even against frivolous claims, which can still cost tens of thousands in legal fees.
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