You can do everything right
and still get blamed.
Also called errors & omissions (E&O), it helps cover you when a client says your advice or work cost them money — including the bill to defend it. We set it up in plain English, so you know what you’re actually covered for.
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.
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.
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.
Most E&O is “claims-made.” Here’s the plain version.
Most professional liability covers a claim based on when it’s filed — not when you did the work. Two dates quietly run the show: your retroactive date (how far back your coverage reaches) and staying continuous when you switch carriers. Miss them and a gap can open without you noticing. We check them before anything moves.
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.
- The E&O limits a client contract spells out.
- Retroactive date and prior-acts wording when you switch or renew.
- Coverage matched to the exact services you actually deliver.
- Proof of E&O for clients who ask before the work starts.
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.
For most businesses, yes — “errors and omissions” is another name for the same coverage, especially in consulting, technology, design, real estate, and other service businesses.
No — they cover different things. General liability responds to third-party bodily injury, property damage, and certain advertising claims. Professional liability (E&O) responds to financial harm from professional services, advice, or work product. Many businesses carry both.
Most professional liability is “claims-made,” which means a claim is covered based on when it’s filed — not when the work happened. Your retroactive date is how far back the policy reaches; staying continuous when you switch carriers keeps that reach intact. We check the dates before anything changes.
Yes. We read the insurance requirements in client contracts, MSAs, and vendor forms, then translate them into the limits, retroactive date, and prior-acts wording your policy actually needs to satisfy.
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