Errors and Omissions Insurance
in West Virginia

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What is Errors and Omissions insurance?

An Errors and Omissions insurance policy (also known as E&O or Professional Liability insurance) is an essential policy that protects you and your company in case of a lawsuit due to alleged professional wrongdoing.

According to the U.S. Small Business Administration (SBA) Office of Advocacy, as of 2022, there were 111,614 small-scale businesses in West Virginia. They made up 98.8 percent of state-wide companies however, these numbers are on the rise.

Regardless of which industry you’re in, what type of products you sell or your services, there is the potential to make mistakes. While you may have an excellent track record but it only takes one wrong move to lead to a suit against your company.

Errors & Omissions insurance is essential to small business owners in order in order to protect their financial security in a highly competitive market. Errors and Omissions insurance covers your business from lawsuits that arise as a result of your negligent actions (errors) or insufficient services (omissions).

What does Errors and Omissions insurance cover?

In West Virginia, Errors and Omissions insurance will cover a variety of costs as long as they are within the limits that is specified in your insurance contract. You’ll save:

  • Legal costs Lawyers typically are charged an hourly rate. Even if the case can be resolved quickly it’s costly to engage a competent legal counsel. The longer it takes the matter to be resolved then the more money you’ll likely spend.
  • Court expenses Filing documents in court or underwriting fees and other administrative costs.
  • Settlements are a way to save both parties from costly long-drawn-out litigation, usually claims are settled outside of court. You may have to pay an individual client a certain amount based upon the advice of your lawyer.
  • Judgments – If your case is put to trial and the judge decides in favor of the plaintiff, then you may be ordered to pay the amount adjudged. If you don’t, there’s the possibility of a lien being placed against your business assets.

Who needs Errors and Omissions insurance?

Errors & Omissions insurance is generally recommended for professional and business owners whose work involves offering advice, providing educated recommendations, or devising solutions.

Whatever the claim is valid or unsubstantiated, Errors and Omissions insurance helps safeguard your professional reputation and profits as well as business assets from costly negative consequences.

Professions that normally require Errors and Omissions insurance include but are not only:

Architects Notary Publics 
Consultants Personal Trainers
Engineers  Pilates Instructors 
Home Care Providers and Businesses Yoga Instructors 
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How much does E&O insurance cost in The Mountain State?

In West Virginia, average annual cost for Errors and Omissions insurance is $626. However, it is based on the size of your company. Like other insurances, greater the risk element is, the more you’ll be charged to cover it.

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

  • Your business’ priorities, location and risk appetite
  • The turnover of your business and size
  • The amount of insurance you require
  • If any, your previous claims history
  • The people being covered are their qualifications, qualifications, fit for the job, and any past claims

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How to get Errors and Omissions insurance for my West Virginia business?

BizInsure makes it simple to compare E&O policies with top U.S. insurance companies, and then find the most suitable protection for small businesses with a cost-effective price.

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

Alaska
Alabama
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois

Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana

Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania

Rhode Island
South Carolina
South Dakota
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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sam H.
sam H.
I renewed my policies , including a few updates, through the on-line portal. It was quick, easy and completed in a few moments. I will not have to revisit thias until 12 months from now. I printed out my documents and have no questions pertaining to my renewal. It was seamless. Thank you Biz Insure
Cynthia Y.
Cynthia Y.
Very nice and easy to use !!
Rhonda S.
Rhonda S.
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Jutta L.
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Lola R.
Why send emails and ask the company rep to call Bizinsure to renew, when you call and you get directed back to the website?I did want to speak to a person, but was unable to do so.
Athena T.
Athena T.
Easy to navigate what you need. Always notify ahead of renewal!
Benjamin C.
Benjamin C.
Andrew is an asset to your company!
Lauren N.
Lauren N.
Liability Insurance is not enough for a smallbusiness. BizInsure also has Professional Liability Insurance to protect my business and team from unintended missteps. Thank you for making the process easy.
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Christopher D.
Fast, Simple, convenient
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Beverley V.
This company is very efficient, easy to manuever their online renewal, I love it and would recommend to anyone.
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Rosemarie M.
Awesome service!
Larry (.
Larry (.
Very easy to work with, cost effective, prompt renewal and easy to get certificates of insurance instantly. I use them exclusively for my professional and general liability insurance needs as a consultant. They simply make my insurance be easy!
MEGAN C.
MEGAN C.
VERY PROFESSIONAL STAFF. CALLS ARE RETURNED PROMPTLY!!
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Charletta G.
Huge thank you to Andrea, she was patient, kind, & caring! Got my quote fast & at best price!
Dan B.
Dan B.
Excellent and Easy service - Thank you.
April E.
April E.
Amy was a delight to work with she help me with finding he right policy for my business I can't thank her enough for her help
Maudeline P.
Maudeline P.
I purchased liability insurance for my home care agency, Unlimited Gentle Care, and the process was seamless and straightforward, ensuring that every aspect of our liability was covered. This company also offers a great value for the extensive coverage my company receives
Richard V.
Richard V.
BizInsure was an easy way to purchase insurance for my business.Kaleb especially was a great help.Thanks,Rich Valentini
Abdelqader A.
Abdelqader A.
awsom service, perfect price and great policy
Virgil A.
Virgil A.
I have purchased General Liability Insurance for the past 4 years at BizInsure for my wedding videography small business. In these 4 years, it has always been a smooth process.There must've been some sort of technical issue (potentially due to my change in address), so my policy didn't auto-renew. I called Bizinsure and talked to Paulina, who was beyond helpful. She was very polite and explained things very well. One small detail that I can appreciate is that she often said my name, which shows that their customer service is intentional about personalized communication.In just a few minutes, we updated my account + renewed my insurance for a 5th year. I highly recommend Bizinsure!
Alemayehu D.
Alemayehu D.
great customer services.
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Rafael R.
This company allowed us an amazing experience, including very efficient, detail-oriented, and patient guidance from their commercial sales agent, Jenifer. I highly recommend this service for anyone in need of a business insurance policy.
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Jennifer was very helpful and great to work with.
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Clarissa H.
Very professional, fast and reliable. I appreciate their knowledge and experience. They have made this journey easier for me.
Richard O.
Richard O.
Very easy to renew! Thank you
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Michelle M.
super quick and easy process!
yvonette M.
yvonette M.
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Boto Y.
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Anare K.
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Berea Nyack SDA C.
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Ebony D.
Ebony D.
Jennifer Whiscombe, is an amazing agent. She was very knowledgeable, thorough and friendly. I highly recommend.
Bill N.
Bill N.
They make it very easy to buy insurance and renew.
mario S.
mario S.
As a business owner I love not wasting time. Thank you so much for giving me more time
Jean H.
Jean H.
Very straight forward, the cost of coverage amount made sense, simplicity was appreciated.
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