Professional Liability & E&O, when advice goes wrong.
If your business provides professional services, advice, or recommendations, general liability alone isn't enough.
Professional Liability & E&O should be reviewed against real exposure, not assumed from the coverage label.
Professional liability, also called errors and omissions (E&O), covers claims that arise when a client says your advice, service, or professional judgment caused them financial harm. For consultants, accountants, architects, IT firms, real estate professionals, and others, this is non-negotiable coverage.
The real issue is not whether the coverage exists; it is whether the limits, exclusions, eligibility rules, definitions, contracts, people, property, timing, and carrier requirements match how the risk actually shows up. When those details are not reviewed before renewal or enrollment, a policy can look complete on paper while the most important conditions remain unclear until someone tries to use it.
Professional Advice
Claims arising from advice, recommendations, or consulting services, when a client says your professional guidance caused them a financial loss.
Learn More →02, Service ErrorsService Errors & Omissions
Mistakes, oversights, or failures to deliver agreed-upon services, including errors by employees acting on your behalf.
Learn More →03, Defense CostsDefense Costs
Legal defense even for claims that are ultimately found groundless, because defending a frivolous claim is expensive whether or not you did anything wrong.
Learn More →Who Needs Professional Liability
Any business that sells expertise rather than (or in addition to) physical goods or labor should have professional liability coverage. General liability covers bodily injury and property damage, it does not cover financial harm caused by professional errors or advice. If your clients rely on your judgment, you need E&O.