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Professional Liability Insurance - Let us find your best coverage - errors and omissions coverage for professional firms
Professional liability covers claims that your advice or services caused a client a financial loss, and carriers price it on your profession, revenue, contracts and claim history. Send us a few details and we will shop 50+ carriers for your best rate – no cost, no obligation. Prefer to talk? Call 800-616-3490.
Professional Liability (E&O) Quote Request
Applicant Information:
Have these handy
- Revenue by service
- Sample client contract
- Professional licenses
- Current policy and retro date
- Claim history
Related coverage
Coverage details
What Professional Liability coverage includes
Professional liability, also called errors and omissions (E&O), protects businesses that give advice or provide services from claims that a mistake, oversight or missed deadline caused a client a financial loss. Even if you did nothing wrong, defending a claim can be expensive. Many clients require E&O in their contracts.
- Errors and omissions - Mistakes, oversights and negligent advice.
- Legal defense - Attorney fees and court costs, even for groundless claims.
- Settlements and judgments - Damages owed to clients for covered claims.
- Prior acts - Work done before the policy, back to the retro date.
- Contract compliance - Meets client limit requirements in contracts.
- Coverage for employees - Covers the work of your employees and, often, independent contractors.
Good to know: professional liability is usually claims-made, so keep continuous coverage and protect your retroactive date when you switch carriers.
Not covered: intentional or criminal acts, bodily injury and property damage, contractual guarantees, and claims you knew about before the policy started.
Insurance Application:
Professional Liability (E&O)
Required forms
Professional Liability (E&O) Supplemental Application (PDF)
Industry E&O supplements (add any that apply)
IT Consultants / Technology E&O (PDF)
Download, complete and email to info@societiesinsurance.com, or attach them with your quote request. More options are listed below.
Contact details
Prefer to talk?
- Toll-Free: 800-616-3490
- East Coast: 706-550-4418
- West Coast: 206-755-0101
- info@societiesinsurance.com
- Mon-Fri 8:00am - 6:00pm, Sat 9:00am - 12:00pm
E&O explained
How professional liability works
General liability covers injuries and property damage. Professional liability covers the financial harm your work or advice causes clients.
Errors and omissions
Mistakes, oversights and missed steps in your work.
Negligent advice
Claims that your recommendations caused a loss.
Missed deadlines
Financial harm from late or incomplete work.
Legal defense
Attorney fees and court costs, even for groundless claims.
Claims-made coverage: the policy in force when a claim is made responds, as long as the work happened after your retroactive date. If you close or retire, ask about an extended reporting period, or tail, to cover future claims from past work.
Who needs it
Businesses that commonly carry E&O
Professional services
- Consultants and IT professionals
- Real estate agents and property managers
- Insurance agents and financial professionals
- Architects, engineers and designers
- Accountants and bookkeepers
- Attorneys
What affects your rate
- Your profession and services
- Revenue and number of professionals
- Contracts and client types
- Prior claims
- Risk management such as written contracts and engagement letters
- Limits, deductible and retroactive date
Use written contracts. Clear scopes of work, engagement letters and limitation of liability clauses reduce claims and can lower your premium.
E&O options
Find the right professional coverage
Start with the professional liability application, or choose the industry form that fits you.
Industry E&O
IT Consultants / Technology E&O
IT consultants and technology firms.
Get a quote Supplemental application (PDF)Related coverage
Commercial General Liability
Injury and property damage claims.
Get a quote Supplemental application (PDF)This is a general overview. Coverage, availability and pricing vary by state, carrier and policy, and the policy itself controls. Questions? Call 800-616-3490.