Protection When Professional Work Is Questioned.
E&O insurance can help protect your business when a client claims that a professional mistake, missed deadline, or failure to deliver caused a financial loss.
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What Is Errors & Omissions Insurance?
Errors and omissions insurance, also called professional liability insurance, is designed for businesses that provide professional services, advice, designs, or recommendations.
If a client alleges that your work contained a mistake, omitted something important, missed a deadline, or failed to meet expectations, E&O insurance may help with certain eligible defense costs, settlements, or judgments.
It does not replace general liability, workers' compensation, commercial auto, or cyber insurance. It protects a different part of your business: the professional work clients depend on.
Businesses That May Need E&O Insurance
If customers rely on your knowledge or services, professional liability coverage may be worth considering.
Business Consultants
Advice, strategy, and operational recommendations.
Technology Firms
Software, implementation, and technical services.
Marketing Agencies
Campaign, creative, and advertising services.
Bookkeepers
Financial records and administrative services.
Real Estate Professionals
Transaction and property-related services.
Other Professionals
Specialized advice, design, or contracted work.
What Can E&O Insurance Help Cover?
Actual coverage depends on your policy, profession, limits, exclusions, and the facts of the claim.
Professional Errors
Claims alleging a mistake or oversight in your work.
Negligence Allegations
Claims that your service fell below an expected standard.
Missed Deadlines
Certain claims involving professional delays.
Failure to Deliver
Allegations that promised services were incomplete.
Legal Defense
Eligible attorney fees and court-related expenses.
Covered Damages
Certain eligible settlements or judgments.
What Affects the Cost?
E&O insurance pricing is based on the type and size of your business, the services you provide, and the amount of protection you choose.
Get an E&O Quote
Tell us about your business and professional services. Blue Java can help you explore available coverage options.
Request a Quote →Professional Liability vs. General Liability
Many businesses need both because they protect against different risks.
Professional Liability
Generally addresses certain claims involving advice, services, professional mistakes, negligence, or client financial loss.
General Liability
Generally addresses certain third-party bodily injury, property damage, and personal or advertising injury claims.
How to Request E&O Coverage
Getting started takes only a few basic steps.
Tell Us About Your Business
Share your profession, services, revenue, and basic company information.
Review Available Options
Compare coverage choices based on your business and professional risks.
Select Your Coverage
Choose the option that fits your needs, limits, and budget.
Request a quote and tell us about your professional services.
E&O Insurance FAQs
The terms are commonly used interchangeably. The preferred name can vary by profession and insurer.
You may want to consider it if clients rely on your professional advice, recommendations, designs, expertise, or contracted services.
Many policies can help pay eligible defense expenses for covered claims, subject to policy terms and limits.
Employee injuries, business vehicles, intentional acts, and many bodily injury, property damage, or cyber claims generally require other coverage.
Provide basic information about your business, services, revenue, clients, insurance history, and desired limits.
Protect the Professional Work Your Business Is Built On.
Request an E&O insurance quote based on your services and coverage needs.