Professional Liability Insurance

Professional liability — also called errors and omissions (E&O) — covers claims that your professional services caused financial harm to a client. It protects you when a client claims your advice, recommendation, or work cost them money.

General liability covers physical injury and property damage. Professional liability covers the financial damage from mistakes, oversights, missed deadlines, or allegations of negligence in your professional work.

Who Needs It

If you provide advice, expertise, or a service that clients rely on to make decisions, you need professional liability. This includes consultants, accountants, architects, engineers, IT professionals, marketing agencies, real estate agents, and anyone whose work involves professional judgment.