- Insurance agents and agencies
- Real estate professionals
- Accountants and tax preparers
- Financial advisors and planners
- Consultants and business coaches
- Technology service providers
- Marketing and advertising firms
- Architects and engineers (in some cases, specialized policies may be required)
Professional Liability Coverage Built for Today’s Risks
Even the most experienced professionals can make mistakes. Errors and Omissions (E&O) Insurance provides critical protection against claims of negligence, misrepresentation, or failure to perform professional duties, helping safeguard your clients from the financial impact of lawsuits and reputational harm.
What Is E&O Insurance?
Errors and Omissions Insurance (also known as Professional Liability Insurance) covers legal costs, settlements, and judgments resulting from claims of professional errors, omissions, or failures in service delivery.
It is essential for businesses and individuals that provide advice, make recommendations, or deliver professional services.
Who Needs E&O Coverage?
E&O insurance is appropriate for a wide range of professions, including but not limited to:If your clients are in the business of offering expertise or professional services, they face exposure to E&O claims, even if they haven’t done anything wrong.
What Does E&O Insurance Cover?
Core protections under an E&O policy typically include:- Defense costs, even in groundless or frivolous lawsuits
- Settlements and judgments related to negligence or professional errors
- Alleged failure to deliver promised services
- Misrepresentation or breach of professional duty
- Claims filed years after the service was performed (with proper retroactive coverage)
Optional and Customizable Endorsements
Coverage can often be tailored to specific professional risks with endorsements such as:- Prior acts coverage
- Disciplinary proceeding coverage
- Cyber liability (as a bundled or standalone option)
- Independent contractor coverage
- Employment practices liability
- Regulatory or licensing defense expense coverage
Policy terms, limits, and optional coverages vary by profession and jurisdiction.
As your MGA partner, we provide responsive service and expert guidance to help you serve your professional clients effectively. Whether you need help qualifying a risk, structuring a layered program, or accessing niche markets—we’re here to assist.
Protect Your Clients from Professional Risk
Errors and Omissions claims are unpredictable, costly, and potentially devastating. Help your clients stay protected with the right E&O policy, backed by an MGA that understands the complexities of professional liability.
Contact us today to quote, bind, or learn more about our E&O programs.
Exclusive PEO Access
We provide our agency partners with exclusive access to a preferred PEO solution, ideal for clients with high mods, coverage gaps, or non-traditional employee structures. It's the perfect option for staffing firms, contractors, and businesses that need alternative markets.