Errors & Omissions (E&O) Insurance
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What is Errors and Omissions (E&O) InsuranceÂÂÂ?
E&O insurance, also known as Professional Liability, can protect your business against claims of misrepresentation, mistake, or negligence. An E&O claim typically alleges that your services, products, or employees caused a third party to suffer some form of financial loss.
Whether you are at fault, litigation resulting from E&O claims can be expensive, time-consuming, and damaging to your professional reputation. Errors and Omissions insurance can help safeguard professional service providers against potentially devastating financial damages resulting from alleged negligence, an error in the delivery of your services, or other related liability claims.
It can cover:
- Attorney fees and other legal expenses
- Costs and expenses related to a settlement
- Costs and expenses related to a judgment
What does Errors and Omissions (E&O) Insurance cover?
E&O insurance coverage can help protect your business against a variety of claims made against the delivery of your services, your products, or your employees. These include:
- Errors in your work,including mistakes or omissions
- Professional negligence
- Breach of contract
- Missed deadlines
- Failure to deliver services
Examples of the types of claims that E&O insurance generally covers include
- Providing a client with incorrect advice that causes non-compliance with the law
- Flaws in your work that cause delays, work to be re-done, or create additional expenses for the client
- Alleged mistakes or negligence, even if you are not at fault
- Bodily injury or property damage of a third party
- Work-related injuries or illnesses
Your policy documents will provide full details of what is and is not covered by your specific policy.
Why do I need Errors and Omissions Insurance?
Errors and Omissions insurance can be an important part of protecting your business finances and professional reputation.
Lawsuits are expensive. The costs of defending your business or reputation can quickly add up, particularly when a case drags on for months or years. Even a baseless claim may result in thousands of dollars’ worth of legal fees that could financially devastate your business.
E&O insurance could help mitigate risks like these by covering the legal costs resulting from liability claims, up to your limits of liability. It also provides cover for settlements and judgements, which can also impact your business (and even personal) finances.
Some occupations in many states require minimum amounts of E&O insurance coverage. Some professional associations may also require their members to hold minimum levels of coverage for licensing or to practice their skills. Clients will sometimes require subcontractors or freelancers to have E&O insurance before they will work with them.
For example, you might need Errors and Omissions insurance if:
- You provide a professional service to clients and customers
- You represent clients on their behalf
- You give professional advice to others that is used to make decisions You have employees who do any of the above
Who needs Errors and Omissions (E&O) Insurance?
There are many types of businesses and occupations that may need an E&O insurance policy.
We offer Errors and Omissions (E&O) Insurance to a wide range of industries, including:
- Writers, Authors and Publishers
- Bloggers and Content Creators
- Management Consultants
- OHS Consultants
- IT Consultants and Professionals
- Architects and Engineers (A&E)
- Software Developers
- Photographers and Videographers
- Financial Planners
- Notary Public
- Social Media Influencers
- Recruitment Consultants
- Mediators
- Expert Witness
- Electricians
- Carpenters
- General Contractors
- Painters and Decorators
- Handymen
- Plumbers
- Cleaners and Janitors
- Landscapers
- Gardeners
- Plasterers
- Tilers
- Mechanics
- Home Health Agencies and Providers
- Home Health Aides
- In-Home Caregivers
- Adult Day Cares
- Skilled Nursing (such as RNs and CNAs)
- Physical Therapists
- Occupational Therapists
- Personal Care Assistants
- Companion Care Providers
- Hospice Cares
- Unskilled / ADL providers
Didn’t see your job or industry listed above? We cover thousands of occupations.
Get E&O coverage to meet your specific needs.
Start a quote online or speak to our US-based licensed agents today.
How much does Errors and Omissions (E&O) Insurance cost?
BizInsure offers E&O policies from as little as $47/month, depending on the potential exposure you face and the amount of coverage you need.
How is the cost of insurance calculated?
Risks of your industry
Cover level amount
Annual turnover
Number of employees
The size of your deductible
Claims history
*Customer Average Monthly Payment Report is based on 1 July 2024 to Jun 2025 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Click here to check industry wise average prices
Flexible coverage options
We offer tailored Errors and Omissions coverage up to $1 million per occurrence and $3 million in the aggregate to suit your unique business needs.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
How is the cost of insurance calculated?
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*Customer Average Monthly Payment Report is based on 1 July 2023 to Jun 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Click here to check industry wise average prices
Flexible cover options
We offer tailored Professional Liability cover up to $1 million per occurrence and $3 million in the aggregate to suit your unique business needs.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to over yourself, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
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Frequently asked questions
Yes, some clients may require you to have Errors and Omissions insurance coverage before working with them. They may ask for your Certificate of liability Insurance (COI) to prove that you have this insurance and verify how much coverage you have. This requirement is often written into the business contracts that both parties sign before work can begin.
If something goes wrong while you are working for a client, E&O insurance can provide them with greater peace of mind that certain liabilities or losses will be covered. Knowing that you already have this coverage before they start working with you may also give clients more confidence in hiring you. An E&O insurance policy signals that you value your professional reputation and are prepared to defend it, if necessary.
There is no difference between Errors and Omissions and Professional Liability insurance. The two names are often used interchangeably, though E&O insurance is typically used more for certain occupations (such as accountants or real estate agents).
Both E&O insurance and Professional Liability insurance provide coverage for a variety of liability claims, such as mistakes, omissions, and breach of contract. Both will pay the legal expenses resulting from a claim, such as court costs, settlements, and judgements. Both provide this protection regardless of whether you are at fault.
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