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Errors and Omissions Insurance in Washington

Feb 17, 2023 · 4 minutes to read

E&O insurance for your Washington business

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The Evergreen State is home to over 657,000 small businesses, according to recent data from the U.S. Small Business Administration’s Office of Advocacy. Professional services, real estate, and home health care are some of the biggest industries for Washington’s small businesses.

Protect your small business with E&O in Washington. Compare multiple quotes with BizInsure to find coverage for accountants, consultants, home health aides, notaries, real estate agents and other professional service providers.

What is E&O insurance?

Errors and Omissions insurance (commonly shortened to E&O) protects professional service providers from potentially devastating financial damages resulting from alleged negligence or error in the delivery of their services.

Mistakes are a part of life, but they can have terrible consequences for small business owners. Even a tiny error could lead to a huge lawsuit that impacts your ability to do business as normal. Legal bills, time spent away from your business, and damage to your professional reputation can be hard to bounce back from.

That’s why many professional service providers protect themselves with Errors and Omissions insurance in Washington.

What does E&O insurance cover in Washington?

Errors and Omissions insurance in Washington helps businesses respond to claims and lawsuits caused by many types of professional wrongdoing, like:

  • Errors, mistakes, and omissions
  • Undelivered services
  • Missed deadlines
  • Negligence
  • Breach of contract

An E&O policy typically pays your legal defense expenses (such as attorney’s fees and court costs) when a covered claim is made. It may also pay legal settlements and court-ordered judgements to injured parties.

Importantly, your E&O insurance covers you whether you are at fault or not. False allegations made against your business can be expensive to clear. The coverage provided by an E&O policy helps prevent baseless claims from ruining your small business.

Who needs E&O in Washington?

Many types of businesses could benefit from having Errors and Omissions insurance in Washington. A policy may even be mandatory to work in specific fields or hold certain professional licenses.

Examples of businesses and occupations that often consider E&O insurance are:

How much does Errors and Omissions insurance cost in Washington?

E&O insurance costs vary from business to business. Insurers consider many factors when calculating premiums, so even businesses offering similar services may pay different amounts for their coverage.

Your E&O insurance coverage may be determined by factors such as:

  • Your occupation or industry
  • Annual earnings/revenue
  • Number of employees covered by your policy
  • Your employees’ experience and licensing
  • Your past claims history
  • The amount of coverage you choose

Compare multiple quotes with BizInsure to see how much you could save on E&O insurance in Washington!

View policies from top-rated insurers side-by-side and find the best coverage to fit your needs in as little as 10 minutes.

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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