Coverage · 04
Professional Liability. Errors & Omissions.
When your deliverable is advice, work product, or professional judgment, general liability doesn't respond. E&O defends against claims that your services caused financial harm to a client.
What it is
Professional Liability — also called Errors & Omissions (E&O) — covers claims of negligence, mistakes, missed deadlines, breach of professional duty, or failure to deliver services as represented. It pays defense costs, settlements, and judgments arising from how you do your work.
What it covers
Negligent acts
Defense and indemnity for claims of professional negligence.
Errors & omissions
Mistakes, oversights, or missed obligations in service delivery.
Breach of duty
Failure to meet professional or fiduciary standards.
Defense costs
Legal fees, often outside the limit, for covered claims.
Common gaps we catch
- Retroactive date set too late, leaving prior services uncovered
- Hammer clause language forcing settlement against your wishes
- Tech E&O written without cyber endorsement, leaving data claims uncovered
- Sublimit traps on regulatory and disciplinary proceedings
- No coverage for free or pro-bono work that still creates legal exposure
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