Products
E&O / Advice and services
Professional Liability / E&O
Professional liability, often called errors and omissions or E&O, is reviewed when customers rely on your advice, design, recommendations, deliverables, or professional services.
Coverage
What it usually handles
- 01Claims tied to alleged errors, omissions, missed deadlines, or service mistakes.
- 02Contractual professional liability limits for consulting, agency, and service work.
- 03Defense and claim handling questions that general liability may not address.
Triggers
When it comes up
- 01Clients rely on your professional advice or deliverables.
- 02A contract requires E&O or professional liability.
- 03A general liability policy does not address the service mistake exposure.
Quote file
Inputs carriers usually need
- 01Services provided, client types, revenue, and contract terms.
- 02Prior claims, retroactive dates, and current professional liability coverage.
- 03Whether you handle regulated, technical, financial, or operational advice.
Routing
Match the product to the operation
The same product can underwrite differently for a contractor, restaurant, retailer, consultant, or transportation business.
Requirement
Contract, lease, certificate, limit, additional insured, state rule, or lender request.
Operation
Services, locations, payroll, vehicles, tools, property, revenue, and prior losses.
Market fit
Carrier appetite, required forms, exclusions, limits, and supporting coverage lines.