Errors and Omissions Insurance
in Massachusetts

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What is Errors and Omissions insurance?

Also known as E&O or Professional Liability insurance, an Errors and Omissions policy protects your business against claims of negligence, misrepresentations, or mistakes. E&O claims are typically made by clients who allege some form of financial damage as a result of your services, products or employees.

According to the U.S. Small Business Administration’s Office of Advocacy, there were 718,467 small businesses in Massachusetts in 2022. They accounted for 99.5 percent of the state’s businesses, these figures are increasing steadily.

Mistakes can happen, regardless of the industry you are in, the product you offer, or the nature of your offerings. Even if you’ve got an excellent track record, one mistake can be the cause of a lawsuit against your company.

Errors & Omissions insurance is vital for small-scale business owners to protect their financial security within a competitive market. Errors and Omissions insurance helps protect your company against claims arising from your negligent actions (errors) or insufficient service (omissions).

What does Errors and Omissions insurance cover?

Massachusetts’s Errors and Omissions insurance covers your costs up to the amounts specified in the policy wording. You can save:

  • Legal Costs Lawyers typically charge an hourly rate. Even if a case is resolved quickly it’s costly hiring a reputable legal professional. The longer it takes for the issue to be resolved the more you will be required to invest.
  • Court expenses Filing documents with court fees, underwriting costs and other administrative costs.
  • Settlements to help save both parties from costly long-drawn-out litigation, usually claims are settled outside of the court. Based on the advice of your lawyer’s recommendations are, you might have to pay your client a set amount.
  • Judgments – In the event that your case does go to trial, and if the judge rules in favor of the plaintiff you will have to pay the adjudged amount, or take the risk of having a lien put on the assets of your business.

Who may need Errors and Omissions insurance in MA?

Errors & Omissions insurance is recommended for individuals and companies whose work involves giving advice, providing recommendations, or designing solutions.

Regardless of whether the associated claim is legitimate or baseless, Errors and Omissions insurance will shield your reputation as well as your business’s profits and assets from costly results.

Professions which typically require Errors and Omissions insurance include, but are not limited to:

Architects Notary Publics 
Consultants Personal Trainers
Engineers  Pilates Instructors 
Home Care Providers and Businesses Yoga Instructors 
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How much does Errors and Omissions insurance cost in MA?

In Massachusetts, the average cost for E&O insurance is around $750 per year. However, it depends on the size of your business. Similar to other insurances, the greater the risk factor, the more you’ll need to pay to cover that risk.

The factors that determine the cost of your Errors and Omissions coverage may include:

  • The business’s goals, the location and risk appetite
  • The size and turnover of your company
  • The amount of insurance coverage you need
  • Your previous claims history whether or not there were there were any
  • The applicants – their skills, qualifications, and suitability for job , and if they have any claims history

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How do I get the Errors and Omissions insurance for my Massachusetts business?

BizInsure makes it simple to compare E&O policies with the highest-rated U.S. insurance companies, and discover the best insurance for your small enterprise at an affordable cost.

Learn more about errors and omissions insurance in the states where you work.

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Indiana
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Ohio
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Rhode Island
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Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming

As with any insurance, coverage will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this guide is general only and should not be relied upon as advice. The number of quotes provided varies between products, occupations and other underwriting factors determined by the insurers.
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Safari T.
That was real quick approval and getting covered
Cornelius C.
Easy and affordable! Now my business can operate and fully function
Paula P.
Renewing each year is easy and the cost is reasonable.
Lisa L.
Very helpful with answering unusual questions that I had, and helping to guide my decisions.
romey C.
No I sure has been a great fit and easy to work with!
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Competent and friendly Organization.
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Friendly staff. Quick and easy.
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Easy process, great service!
Mike O
Andrea was very useful and professional. I will be recommending Biznsure to my friends that need business insurance. Keep up the good work. I wish the agency also offers auto insurance and whenever you do I will be one of the first to sign up as sign of my appreciation.
Mike Okonkwo.
Sherry S.
Thank you for your professionalism and patience and helpfulness with my insurance needs for my new business. Thank you, Lizette, as well for all of your help - you are sincerely appreciated and you are an asset to BizInsure LLC!
FEEDBACK: In my personal opinion, your telephone customer service needs to be improved. Whomever basically and initially answers the phone calls lately needs a new headset, honestly. I know you record all of your calls; however, listening skills truly needs to be improved also, IMO and if I ask someone to please take a message, and they tell me they are going to do so, then follow through and send that message to the main person I'm trying to reach. I have had difficulty getting back to the "exact" insurance agent with whom I've been working with and it's been a bit frustrating handling this current 2025-2026 renewal.
Roriley 1.
BizInsure has always been a necessary and important business resource.
Tiffany G.
I spent several hours comparing quotes and itemized coverage options from multiple agencies, and BizInsure LLC came out on top. The process was fast, the pricing was competitive, and the experience was refreshingly straightforward. I’m looking forward to a continued, stress-free partnership with BizInsure.
Amir B.
Details have changed for the AIDS eoimric. Toda,y , they do not get it thru casual intraction, that's why the death rate is almost exceptable at low rate.
Ricardo G.
Pleasant, efficient and reasonable/
Jasmine G.
Reasonable affordable
Jennifer W.
Very easy to move through
Rachel U.
The website was easy to navigate on my own, sect and pay the policy in less than 30 minutes. The agent followed up with a phone call to answer any questions that I may have. Jasmine was professional.
Douglas R.
Andrew made the process smooth and easy.
I wish there were more Andrew's working in this business.
Marsha
My agent Jazmine is the "Best," she explained everything thoroughly and provided my company with what I think is The Best insurance Rate!
EBONY W.
Savannah is absolutely awesome! She took the time to thoroughly explain the policy from page 1 to 77, making sure I understood everything. What I appreciated most was that she really listened and understood exactly what I was talking about. Friendly, professional, and with a great attitude, Savannah made the process easy and clear. I’m confident I’ll continue to use BizInsure because of her excellent support!
Dywonne H.
I couldn’t be happier with my experience using BizInsure. The process of comparing and purchasing coverage was quick, straightforward, and completely stress-free. Their platform made it easy to understand my options, and I was able to find a policy that fit both my needs and my budget within minutes.

A special thank you to Cherice Williams, who helped me with my purchase. She was patient, knowledgeable, and made sure I understood every detail before committing. Her professionalism and friendly attitude made the entire process even smoother.

Thanks, Haynes
Victor H.
Excellent Service
Andy A.
Reasonable prices and the sign-up online is very straightforward.
Lotanga J.
The agent was very knowledgeable and was very quick in handling my request.
Bernard K.
USER FRIENDLY AND EASY
Dave D.
I’ve been with Bizinsure almost 10 years without any issues
Skin U.
Andrea was very helpful, patience and nice with explaining everything

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