Professional liability protects businesses whose product is expertise: consultants, accountants, real estate and insurance agents, IT firms, architects and engineers, marketing agencies, medical and allied health practices. It responds to claims of negligence, mistakes and failure to deliver.
We compare specialty E&O carriers by profession, review contract requirements, and coordinate limits with your general liability and cyber coverage so there are no gaps between policies.
What professional liability (e&o) can include
- Negligent acts, errors & omissionsClaims that your professional service caused a client financial loss.
- Defense costsAttorney fees and court costs, often the largest part of a professional claim.
- Prior actsCoverage for work performed before the policy start date, when continuous coverage is maintained.
- Disciplinary proceedingsCosts to respond to licensing board complaints.
- Cyber & privacy (optional)Data breach response and liability for firms that hold client data.
Who this is for
- Consultants, accountants and bookkeepers
- Real estate, insurance and mortgage professionals
- IT services, software developers and web agencies
- Architects, engineers and designers
- Healthcare and allied health practitioners
Common questions
Is E&O the same as malpractice insurance?
Essentially yes — malpractice is professional liability for medical and legal professions. The concept is the same.
Why is it written on a claims-made basis?
Most E&O policies cover claims made during the policy period for work performed after a retroactive date. Keeping coverage continuous protects your past work.
My client contract requires E&O — what limit?
Contracts commonly require $1 million per claim, sometimes more for larger engagements. We will match the policy to the contract.