When a client says you made a mistake.
Even the best professionals make errors. E&O insurance — also called professional liability insurance — protects you when a client claims your advice, service, or work caused them financial harm.
Same day coverage · CA Licensed · All professions
$49
per month
Rates for a small professional firm — $1M coverage
Who needs E&O insurance.
Any professional who provides advice, recommendations, or services for a fee can be sued for professional mistakes — even if no mistake was actually made.
What E&O insurance covers.
Professional liability claims are different from general liability — they cover the financial harm caused by your professional work, not physical injury or property damage.
Professional Errors
Covers claims arising from mistakes, oversights, or unintentional errors in the professional services you provide to clients.
Included
Negligent Advice
If a client claims your professional advice was negligent and caused them financial loss, E&O covers your legal defense and any damages awarded.
Included
Failure to Deliver
Covers claims that you failed to provide the services promised in your contract — missed deadlines, incomplete work, or services not meeting agreed standards.
Included
Legal Defense Costs
Even if a client’s claim against you is completely false, defending yourself in court is expensive. E&O covers all attorney fees and court costs.
Included
Prior Acts Coverage
Many E&O policies can be written to cover claims arising from work done before the policy start date — important when switching carriers.
Available
Real E&O claim scenarios.
These happen to professionals every day. Without E&O, a single claim can end your career.
An agent places a client in the wrong policy — a major claim gets denied
The client sues for the full value of the denied claim plus legal fees. E&O covers the agent’s defense and the settlement.
An agent fails to disclose a roof defect — the buyer sues after closing
Real estate E&O covers disclosure errors, contract mistakes, and misrepresentation claims — the most common real estate lawsuit.
A software project is delivered late causing a client to lose a major contract
The client sues for lost revenue. Technology E&O covers claims related to project failures, data loss, and system outages.
A consultant’s recommendation leads to a failed product launch costing $200,000
The business owner sues for the full loss. E&O covers the consultant’s legal defense and any portion of damages the court awards.
Get your E&O coverage today.
Your profession, annual revenue, number of clients, and any prior E&O claims.
We find carriers that specialize in your specific profession and understand your risk profile.
We explain coverage limits, retroactive dates, and which policy best protects your practice.
Your certificate of insurance is issued the same day. Many clients and contracts require E&O before work begins.
E&O carriers we work with.
Specialized professional liability carriers for every type of profession.
Hartford
Travelers
Philadelphia Insurance
Markel
Nationwide
CNA
Liberty Mutual
Berkley
+ more
Common questions.
General liability covers physical injury and property damage caused by your business operations. E&O covers financial harm caused by your professional advice or services. Most professional businesses need both — GL for physical risks and E&O for professional risks.
Yes. E&O covers claims of mistakes — not just actual mistakes. A client can sue you claiming you gave bad advice even if you did everything correctly. Legal defense alone can cost $50,000 or more even when you win the case.
E&O policies are claims-made policies, meaning they cover claims filed during the policy period. The retroactive date determines how far back in time the coverage applies. When switching carriers, it is critical to maintain the same retroactive date to avoid gaps in coverage for past work.
Most professionals carry between $1M and $2M per claim. The right amount depends on the size of your clients, the potential financial impact of your work, and any minimum limits required by your contracts or professional license.
Yes. We specialize in E&O coverage for insurance agents and brokers in California. If you are joining our team as an agent, we help you get the E&O coverage required to operate as a licensed California insurance professional.
Protect your professional
reputation.
Same day coverage · 40+ carriers · All professions
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