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Errors & Omissions Insurance

Errors and omissions insurance, often referred to as E&O insurance, is a specific type of business liability insurance. Should you make a mistake in your profession, errors and omissions insurance can protect you in case of liability that could lead to a lawsuit by covering settlements, legal fees, and judgments. Without E&O insurance, you may be liable for these expenses out of your own pocket, which most businesses cannot afford.

What Does E&O Insurance Cover?

Errors and omissions insurance covers a wide range of liabilities, including:

  • Errors or oversights when providing a service
  • Omissions
  • Negligence
  • Misrepresentation
  • Inaccurate advice
  • Violations of fair dealing and good faith, including breach of contract
  • Failure to meet a deadline or deliver a service as promised
  • Failure to meet a professional standard of care

It can help protect the owner of the company, as well as the business entity itself and its workers.

This type of business liability insurance may cover court costs, attorney fees, administrative costs, and most importantly, settlements that are reached or court judgments, which can very depending on the case in question.

Be aware that E&O insurance does not cover intentional wrongdoing, illegal acts, or criminal wrongdoing.

Who Needs E&O Insurance?

If you provide a service as a business, you may benefit from E&O insurance protection. The more serious the consequences of a professional mistake on your part, the more you may want to consider errors and omissions insurance.

Professions that commonly purchase this coverage include:

  • Attorneys
  • Architects
  • Engineers
  • Accountants
  • Contractors
  • Printers
  • Financial planners
  • Wedding planners
  • Maintenance companies
  • Doctors (specifically as malpractice insurance)

Why Are Independent Agents Best for Business Insurance?

When you’re shopping for business insurance, including errors and omissions insurance, you want a wide selection of products for a customized policy that meets your budget. The independent insurance agents at can help.

To learn more about E&O insurance or to start a policy, request a quote online or get in touch to let us know how we can help.