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Professional Liability or Errors & Omissions

What Does Errors & Omissions Cover?

Professional liability, also known as Errors & Omissions (E&O), is intended to provide coverage for specific services and professional guidance industries. This type of coverage helps provide protection should a customer claim they have suffered a loss due to an error or omissions from your service and/or professional guidance. E&O coverage can provide legal defense costs, should you be faced with a civil lawsuit and/or settlement cost.

When Businesses Need an E&O Policy


If one or more of the following could happen to your business you may need an E&O policy -  A customer makes a claim that you’ve violated a contract, didn’t perform correct scope of work, gave neglectful advice or made a mistake that caused loss of income for your client. 

Professional liability is an essential coverage for many businesses. Below are some top industries that typcially carry this coverage:

  • Salons / Barber Shops

  • Spas / Massage therapist

  • Financial Advisors

  • Veterinary / Pet Grooming

  • Medical Practices

  • Photographers

  • Therapist / Counselor

  • Real Estate Agents

  • IT / Technology Consultants 

  • Occupational or Physical Therapist

  • Business Coaches

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