Covering the basics
shouldn’t take three policies.
A Business Owner’s Policy — a BOP — bundles general liability, property, and business income into one. It’s usually the simplest, and often the most cost-effective, way for a smaller business to cover the essentials. We’ll tell you honestly whether it’s the right fit.
- TodayProof of insurance · landlordMercer Studio LLC · lease packet sent
- TodayProperty values · refreshedEquipment + inventory · annual check
- YesterdayBusiness income worksheet · updatedPeriod of restoration · 6 months
- May 19BOP bundle reviewedGL · property · business income, one policy
New to E&O, or switching one over?
New to E&O? We'll tell you what it covers, how it's different from general liability, and exactly what your contracts are asking for — in plain English, no pressure.
Bodily injury or property damage.
Your work is blamed.
Already have a policy? Upload it. We'll check your limits — plus your retroactive date and prior-acts coverage, the stuff that quietly breaks when you switch. Same coverage, no gap.
Bodily injury or property damage.
Your work is blamed.
What it steps in for.
Short version: if a client says your advice, service, or work cost them money, this is the coverage that usually steps in.
A client says your work cost them money — it helps cover the claim and the defense.
You’re sued over a covered mistake — it helps pay to defend you, even if the claim is groundless.
A client says you didn’t deliver what you promised.
A covered error, oversight, or bad recommendation in the work you delivered.
Claims made while your policy is active, when the timing and retroactive date line up.
Coverage varies by policy form, carrier, limits, exclusions, and the facts of the claim. We review the wording before recommending anything.
Who’s E&O actually for?
If any of these sound like your business, E&O is the policy clients usually ask for — the one that covers your work itself, not the physical-injury side.
You give advice, design, or deliver work clients pay for.
Clients make real decisions based on your recommendations.
A client contract asks you to carry errors & omissions coverage.
A mistake could cost a client money — even with nothing physically damaged.
You work in consulting, tech, design, accounting, real estate, or another service.
Where E&O ends, and what takes over.
E&O is about your work. These other risks live in other policies — here’s what picks them up.
Each line links to the coverage page that usually responds. None of these are recommendations by themselves — what you need depends on the business and the contracts.
What an E&O claim actually looks like.
A client says your recommendation cost them revenue, and files a claim.
A software project misses key requirements and the client blames the build.
A design error means expensive rework after sign-off.
A new client won’t sign until you show proof of E&O.
The E&O your contracts keep asking for.
Master service agreements, client contracts, vendor forms — we turn the E&O language they require into a quick checklist, not homework.
- What your property is really worth to replace — furniture, inventory, equipment.
- How much income to protect if a covered loss makes you pause.
- The proof of insurance your lease or landlord asks for, if you're renting a space.
- How the BOP connects to workers' comp, auto, cyber, and umbrella as you grow.
These are what underwriters look at. None of them give you a quote on a landing page — but they tell you what we’ll need to size it.
No fake instant quotes. We get the inputs right, shop the market, and lay out the tradeoffs that matter.
We read the fine print so you don’t have to.
A licensed broker — writing in plain English, reading your contracts, and staying on it after bind. Insurance that feels handled.
We match the policy to the services your clients actually pay for.
We check claims-made timing, retro dates, and prior acts before anything changes.
We compare E&O, cyber, and general liability so nothing falls between them.
We turn your contract requirements into coverage before you sign.
Questions we get a lot.
It depends. Eligibility comes down to industry, revenue, location, property values, operations, and carrier appetite — and we check it for you. Many small offices, shops, studios, and service businesses are common candidates, but the only honest answer is to look at your specific situation.
Sometimes a BOP is a strong foundation, sometimes it isn’t. It typically covers general liability, property, and business income — but it usually doesn’t replace workers’ comp, commercial auto, professional liability (E&O), cyber, or specialty coverage. We help you see what falls outside the BOP’s edges so you can decide what else, if anything, you want alongside it.
Many BOPs include business income coverage that can help replace earnings when a covered property loss forces you to pause. The waiting period, limits, and covered causes of loss vary by policy — we walk through the wording with you before anything is bound.
Sometimes, but as a business grows in revenue, locations, payroll, or operational complexity, a custom commercial package often becomes a better fit than a BOP. We check what makes sense for your specific business.
What we look at alongside E&O.
Let’s get your E&O in place.
Tell us about the work you do, see your options, and we’ll take it from there.
- 01Match the policy to the services your clients pay for
- 02Check claims-made timing, retro dates, and prior acts
- 03Compare E&O, cyber, and general liability side by side
- 04Turn contract requirements into coverage before you sign