Protection when your work is blamed for financial harm.
Professional liability, also called errors and omissions insurance, helps cover claims that your advice, service, design, or work product caused a client financial loss.
Riza checks your operations, contracts, limits, exclusions, and certificate language before recommending coverage.
The product page should answer the buyer's actual question: will this help me get approved, start work, and avoid an ugly surprise?
General liability is about bodily injury and property damage. Professional liability is about the work itself: bad advice, missed deadlines, design errors, service failures, or alleged negligence.
If this sounds like your business, yes.
If two or more of these sound familiar, do not wait until a contract, claim, or renewal forces the conversation.
You provide advice, consulting, design, analysis, technology, or professional services.
Clients rely on your recommendations to make business decisions.
Your contract requires errors and omissions coverage.
A mistake could cost a client money even without physical injury or property damage.
You work in consulting, technology, engineering, design, media, accounting, real estate, or professional services.
Coverage you can actually recognize.
No alphabet soup first. Start with the moments where money leaves the business, then map those moments back to policy language.
Covered negligence, errors, or omissions in professional services.
Legal defense costs for covered professional claims.
Alleged failure to deliver services as promised.
Mistakes in advice, design, recommendations, or work product.
Claims-made coverage when policy timing and retro dates are handled correctly.
Important coverage. Clear boundaries.
The expensive surprises usually hide between policies. Riza shows what this coverage does, where it stops, and what else should be reviewed.
The moment coverage stops being abstract.
Coverage should feel concrete: show the scene, the blocker, and the policy response before the buyer has to decode a form.
A consultant's recommendation allegedly causes a client to lose revenue.
A software implementation misses key requirements and the client files a claim.
A design error forces rework after a project is complete.
A client contract requires E&O before work begins.
Built for the paperwork that blocks revenue.
The job is not to list factors. The job is to turn underwriting, contract requirements, and certificate language into a clean operating plan.
No fake instant quote theater. Riza makes the underwriting inputs clear, compares the market, and shows which tradeoffs are actually worth caring about.
Coverage matched to how your business actually works.
We match the policy language to the services your clients actually buy.
We check claims-made timing, retro dates, and prior acts before changing policies.
We compare E&O, cyber, and general liability so gaps do not hide between forms.
We translate contract requirements into coverage requirements before you sign.
Fast answers before you talk to anyone.
Is professional liability the same as E&O?+
For many businesses, yes. Errors and omissions is another name for professional liability, especially in consulting, technology, real estate, and service businesses.
Do contractors need professional liability?+
Some do, especially design-build firms, construction managers, engineers, architects, or contractors providing design, consulting, or project management services.
What is a claims-made policy?+
Many professional liability policies respond based on when the claim is made and reported, not just when the work happened. Retro dates and continuity matter.
Can Riza review my client contract?+
Yes. Riza can review insurance requirements and help identify whether professional liability, cyber, umbrella, or other coverages are being requested.