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Errors & Omissions (E&O)
Also called Professional Liability, E&O protects your business when a client claims your work, advice, or service caused them financial harm — covering defense costs even when the claim is groundless.
What is Errors & Omissions insurance?
If your company gets paid for its expertise — software, advice, design, implementation, managed services — E&O is foundational. It responds when a client alleges that a mistake, an omission, a missed deadline, professional negligence, or work that didn't perform as promised cost them money. It pays legal defense, settlements, and judgments, and it defends you even when the allegation is unfounded.
E&O and Professional Liability are the same coverage — the name just changes by industry. Tech, financial, and real-estate firms say "E&O"; consultants, accountants, architects, and agencies say "Professional Liability"; licensed professions call it "Malpractice." If a contract asks for one and your policy says the other, it's almost always the same protection. We confirm the scope and turn around certificates fast so a deal never stalls on a naming mismatch.
E&O vs. the coverages it's confused with
General Liability covers physical harm — bodily injury and property damage. E&O covers financial harm from your professional work. Cyber covers security incidents like breaches and ransomware. Tech E&O is E&O tailored to software and technology, adding product, outage, and SLA failures. Most service and tech companies carry several of these together.
Who needs E&O coverage
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Frequently Asked
Common questions
Are E&O and Professional Liability the same thing?
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Yes — two names for the same coverage. Both protect you against claims that your professional services, advice, or work caused a client financial harm. Industry convention drives the label: tech, financial, and real-estate firms say E&O; consultants, accountants, architects, and agencies say Professional Liability; licensed professions say Malpractice. Scope and limits matter, not the heading.
What does E&O insurance cover?
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Defense costs, settlements, and judgments when a client alleges financial loss from your work — mistakes, missed deadlines, negligence, failure to deliver, or bad advice — and it pays defense even when the claim is groundless. It does not cover bodily injury or property damage (General Liability), data breaches (Cyber), or intentional/fraudulent acts.
What's the difference between E&O and General Liability?
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General Liability covers physical harm — third-party bodily injury and property damage. E&O covers financial harm from your professional services or advice. They address different risks, and most service and technology businesses need both.
How is E&O different from Tech E&O and Cyber?
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Tech E&O is E&O tailored to technology companies, so it also responds to product failures, outages, and missed SLAs. Cyber is a separate line for security incidents — breaches, ransomware, unauthorized access — and the resulting costs and liability. E&O answers "our work failed"; Cyber answers "our systems were breached." Many tech companies carry both.
Why does claims-made coverage matter for E&O?
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Most E&O is claims-made: it responds based on when the claim is filed, not when the work was done, and only if a policy is in force with a retroactive date reaching back to that work. Gaps, carrier switches, and winding down without "tail" coverage can leave past work uninsured. We manage retroactive dates and tail options so your coverage history stays intact.
Do contracts require E&O insurance?
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Often. Enterprise customers, master service agreements, and government contracts frequently require E&O / Professional Liability at minimum limits (commonly $1M–$2M), and investors check for it in diligence. If your contract says "E&O" and your policy says "Professional Liability," that's generally the same coverage — we confirm scope and issue certificates quickly.