Professional Liability (E&O)

Protect your reputation and your business with professional liability insurance—commonly known as errors and omissions (E&O) coverage. This coverage helps shield you from costly claims arising from mistakes, misrepresentation, breach of contract, or inaccurate advice while delivering professional services. 

Understanding errors and omissions coverage

When you provide professional services, even small mistakes can lead to big claims. Errors and omissions (E&O) insurance is designed to protect your business from these risks. Here are the five key areas E&O coverage addresses:

Negligence

Mistakes happen—even to the most experienced professionals. E&O coverage protects you if a client claims your error or oversight caused financial harm.

Misrepresentation

If a client alleges you provided misleading information or failed to disclose critical details, this coverage helps defend your business against costly claims.

Personal & Advertising Injury

Protects against claims related to defamation, copyright or trademark infringement, and misleading advertising.

Breach of Contract

Contracts are the backbone of professional services. E&O insurance can cover claims that you didn’t meet agreed-upon terms or deliverables.

Inaccurate Advice

Your expertise matters, but if advice you provide leads to a client’s loss, E&O coverage helps safeguard your reputation and finances.

Professions we serve

Your E&O professional liability experts

Even when claims lack merit, the defense cost and damage to your reputation can be substantial. Professionals worldwide trust Berkley for tailored professional liability insurance that protects their business and reputation. We offer quick online quoting for small businesses and customized solutions for complex risks.

Our professional liability coverage can include:

  • Protection against errors or omissions in professional services
  • Legal expenses in defending a claim (within or in addition to the policy limit)
  • Personal and Advertising Injury
  • Mergers and Acquisition can be included automatically in subsidiary coverage
  • Cyber Liability to protect against data breaches and other cyber security issues
  • Policies available on Claims-Made or Occurrence basis. Claims Made policies cover claims reported during the policy period or extended reporting period and occur after the retroactive date. Occurrence policies cover claims that happen during the policy period—regardless when the claim is filed.
  • Additional options, combined general liability and excess professional liability

Risk management services and additional resources

  • Protection against errors or omissions in professional services
  • Legal expenses in defending a claim (within or in addition to the policy limit)
  • Personal and Advertising Injury

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