Errors & Omissions (E&O) Insurance

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  • Premium starting at just $47/month
  • Over 25,000 small businesses in U.S. have used BizInsure

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What is Errors and Omissions (E&O) Insurance­­­?

E&O insurance, otherwise 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.

Regardless of 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.

Coverage is provided for:

  • Attorney fees and other legal expenses
  • Costs and expenses related to a settlement
  • Costs and expenses related to a judgment

Click here for a complete list of Frequently Asked Questions

What does Errors and Omissions (E&O) Insurance cover?

An E&O policy 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

What is not covered by E&O insurance?

E&O insurance provides important protections to businesses, but there is a limit to what is covered. An E&O insurance policy will not cover events such as:

  • Bodily injury or property damage of a third party: General Liability insurance covers events such as customer injury in your work premises or if you damage someone else’s property while doing business.
  • Work-related injuries or illnesses: Worker’s Compensation insurance covers employee injuries and illnesses sustained during the course of their work.

Your policy documents will provide full details of what is and is not covered by your specific policy.

For everything from General Liability Insurance, Professional Liability Insurance, also known as Errors & Omissions insurance (E&O), Workers Compensation Insurance, and Business Owner’s Policy, let BizInsure be your one-stop-shop for your business insurance needs.

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Who needs Errors and Omissions (E&O) Insurance?

There are many types of businesses and occupations that may need an E&O insurance policy. Generally, if any of the following apply to you or your business, you may want to consider buying a policy:

  • 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

Some of the industries that typically consider Errors and Omissions insurance include:

Finance & Legal – Lawyers, accountants, and even a notary public might need E&O insurance to protect them in their job duties. A Professional Liability policy can shield them against claims of negligence and other risks they commonly face.

Building & Construction – Architects, engineers, and consultants often seek E&O coverage to protect them as they work on complex projects. Coverage can be extended to provide protection long after work is completed.

Health & Wellness – Personal trainers, Pilates instructors, and yoga studios all work closely with customers and clients and may provide them with advice. Professional Liability insurance can protect their business.
and many more.

Minimum amounts of E&O insurance coverage are required for some occupations in many states. Some professional associations may also require their members to hold minimum levels of coverage for licensing or to practice their skills. Finally, clients will sometimes require subcontractors or freelancers to have E&O insurance before they will work with them.

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How much does Errors and Omissions (E&O) Insurance cost?

The cost of Errors and Omissions insurance can vary greatly from business to business, even within the same industry or occupation. This is because insurers take many factors into consideration when calculating a policy’s premiums.

These considerations may include your:

  • Claims history
  • Geographic location
  • Industry
  • Length in business
  • Revenue size
  • The size of your deductible
  • The amount of coverage desired
  • Risk management procedures

Click here to get quotes for your specific needs.

Frequently Asked Questions

Why Is Errors and Omissions Insurance (E&O) important?

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 in court 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, or even force you to close shop.

E&O insurance could prevent this from happening by covering the legal costs resulting from certain liability claims, up to your limits of liability. It also provides coverage for settlements and judgements, which can also negatively impact your business (and even personal) finances.

Is Errors and Omissions Insurance (E&O) expensive?

BizInsure offers policies from as little as $47/month, depending on the potential exposure you face and the amount of coverage you require.

However, many factors could impact the cost of your E&O Insurance policy. These include your industry, claims history, the amount of coverage you need, as well as other relevant considerations.

Comparing quotes for E&O insurance can give you a better idea of how much a policy that meets your unique business needs will cost.

Do clients require Errors and Omissions (E&O) insurance coverage?

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.

What is the difference between Errors and Omissions and Professional Liability insurance?

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.

BizInsure has really come through for me on some really hard to place risks. Andrew takes the time to understand the risk and work through how we can make it work, rather than looking for ways to say no. Thank you for your help!
Carlos T.
18:06 16 Mar 23
Very helpful and explanatory on the policy line of the policy
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17:30 14 Mar 23
Worked with Tevin. Amazing customer service. Was very patient with me in figuring out the best insurance coverage for business. Thanks Tevin for making it easy.
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16:23 14 Mar 23
No complaints, Always a fast response when a need arises.
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Very good information patience was shown. Much help from Kaled, satisfied with the amount of insurance and good coverage. Affordable is what you need with starting a small business until you grow. Old saying is go as you grow.
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21:53 20 Jan 23
Professionals at what they do! easy to navigate and very good people to lead to to the best coverage!
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I have been shopping for business liability insurance for several months. I am happy to share that BizInsure ranked #1! The representatives were polite, patient, and empathetic. They accomplished what most companies struggle with achieving: they did what they said they were going to do, they were on time, and they had empathy. They delivered a policy for 25% less than the closest competetor, and even included $50k of cyber security at no additional cost! I only write reviews when I receive exceptional experiences- highly revommended; keep up the great service BizInsure!P.S. I own a professional referral service in Hawai'i and I am going to see if BizInsure offers an affiliate program.Aloha!
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23:55 09 Nov 22
The agent that I spoke to was very experienced and could tell that I was new at this and was very understanding and took the time to explain everything to me.
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Easy to work with and very responsive. Glad to have them as my broker.
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Jasmine Q was on the spot professional, she knew where to direct me and explain to me my concerns and request; she delivered my personal information within minutes of me asking policy questions.That young lady is a true ROCK STAT!!!
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23:09 15 Aug 22
For a small non-profit, the package I was given was affordable. The representative was polite, patient, understanding, and knowledgeable.
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Asked for a specific venue to be place on our certificate of insurance and it was done within one business day. Yay! Bizinsure!
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The process was fast and easy and the professional staff was very knowledgeable with any questions that I had and ready to help
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Friendly agents. Timely replies. Fair pricing. This is a good fit for my business! Thank you, Noah, for all your help.
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Noa made sure I had all the information I needed for a first time business owner . He helped me understand what I needed to secure a quality policy and he was super helpful when explaining how the policy would serve its purpose to my company. I was very satisfied and had an Awesome experience, I think people like that make the company look good!
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I was in need of WC, GL and PL coverages for my business and was able to shop, discuss, confirm and purchase all the coverages in two days! This was a great experience, especially when "Time is Money". Noah Bowman was very professional and knowledgeable. Thanks!
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15:42 23 Sep 21
19:49 09 Sep 21
Their representative clearly explained different kinds of policies to help me select the one appropriate for my needs and then helped me enroll by phone painlessly. By the end of the call, I had a policy in place.
Dissent D.
22:21 02 Sep 21
Eugene was Awesome!!!!
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Excellent solution for writers and authors professional liability policy as well as coverage for copyright and trademark infringement. Service was prompt and excellent.
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Done in less than an hour!
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00:30 02 Jun 21
Efficient, and great value. The agent was able to give us a quote and a new policy in a short period of time. Thank you
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18:50 26 Apr 21
I need a help getting errors and omissions insurance along with general liability. Jose was very friendly informative and was very patient with me during the process. He found me some of the best rates for the coverage that I needed. Highly recommend
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19:51 20 Apr 21
I had numerous conversations with several business insurance agents over a month's time. I also had several conversations confirming the policy inclusion/exclusions and asked many questions. My BizInsure agent was professional, knowledgeable and most important—detail oriented. Even after having an initial conversation a month earlier he knew and *remembered* all my personal/professional insurance needs. When I asked for additional information on the third call he was able to provide me with details very quickly. He was also VERY patient. That is a big plus in my opinion. It illustrated a high level of respect for my needs. I also found when I called back and asked to talk with the initial agent, the person who answered the call was able to get in contact quickly and my agent responded and returned the call within 5-10 minutes. The transaction was smooth, and I think it's a good sign should I ever need to make a claim. I highly recommend BizInsure.
Poetic F.
21:00 07 Apr 21
The rep was extremely helpful actually lowered my quote and made sure I was covered to fit my needs with my growing business! 5star!!
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19:04 16 Mar 21
Excellent service and prices.
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23:13 09 Mar 21
Mr. Daniel Scott was very responsive to my professional needs.
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17:38 18 Feb 21
Eugene deserves a raise! First time purchasing insurance and he made the process so simple for me. His patience and attention to detail left me feeling confident in my decision to choose BizInsure. Gracias Eugene!
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23:32 17 Feb 21
The customer service provided by Jose was outstanding. He explained everything in a very clear/logical way and answered all of my questions. After providing all the information to obtain general liability insurance, Jose sent me the declaration page of the insurance for review. All of the information matched what I provided over the phone and there were no typos. The next day I called back to purchase the insurance which was easy and fast. Overall, my experience with BizInsure including the customer service by Jose exceeded my expectations.
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Hiscox/BizInsure made getting Liability Insurance very easy and reasonable.I expected it to be a long and complicated process and it was a nice surprise that they made it so uncomplicated. Thank you. Lisa
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16:34 20 Sep 20
Very happy to be insured with this company. Professional, Timely, very helpful. Thank you Juan, you made it so much easier for me to understand.
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This company responded when I needed them to respond while facing a deadline. They are an excellent choice for business Insurance.
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02:41 27 Aug 20
I can't say enough good things about Daniel Santos kind and effective communication skills as an insurance agent. Daniel was so pleasant, friendly and efficient with helping me obtain insurance as a teacher. If I were to give Daniel a grade, he has earned an At . He made the process easy to understand, it was far easier than what I anticipated. Nancy S.
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00:47 26 Aug 20
I was in need of professional liability insurance for my sole proprietorship. A friend referred me. Everythng was quick and simple and AFFORDABLE!
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If you need Private Home Care Provider insurance for your company, BizInsure, LLC can get it for you!
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21:51 04 Jun 20
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Anthony Spencer was great!! Very quick response time!! He was very Professional! I would suggest him because he helped me find a affordable rate and explained all the technicalities..
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16:38 28 May 20
I was referred to Bizinsure by a industry trade group that I am a member of. It was easy to get a quote online and then received excellent customer service from Bradley H. to complete my policy purchase over the phone. I have shared this company information now with other business owners for their policy needs.
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22:11 08 May 20
This company was very precise with explaining services and made sure I chose the right business insurance coverage, great customer service at purchasing.
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Jasmine Q
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Trish is the most patient, professional and understanding insurance agent I’ve ever worked with. Trish has taken care of all my business insurance needs for the last couple years. I am really happy that I found an insurance agent that I know will take care of me & all of my concerns. I feel like a valued customer & I appreciate the great customer service that I get every time!!THANK YOU!
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17:21 14 Nov 18
Tricia helped me get insurance for my business. The task of obtaining a quote was really starting to frustrate me until I was referred to BizInsure through a different agency. Tricia got me a quote fast, and even took a down payment over the phone and issued the proof of insurance the same day. a+ service, would do it again in a heartbeat!! Thank you!!
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18:07 22 Jun 18
BizInsure was a great find! I did not have to fill out applications, and Tricia was able to quote and bind business insurance for me within half an hour.
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Started doing business again and needed a policy fast. Ramez was reasonable, helpful and the rates are OK. Buyer beware? Sure, for me it turned out OK this time. Worth a call.
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