Errors and Omission Insurance

It’s not about your professionalism, training, or years of experience. It’s about human nature. Mistakes happen to the best of us, no matter how experienced.

You can be sued for anything

When running a business, everything must be very detailed oriented. The smallest mistake can cost you major financial loss or reputation damage to you or your clients.

That's why it is essential to protect your business to the furthest extent. Accidents happen, but when they happen they can hit harder than expected. Liability insurance only goes far, it is important to take that in to consideration. 

But what happens when you, one of your employees, or a vendor fails to catch something that your customer doesn’t miss, and they hold you responsible?

They can not only refuse to pay, they may also sue you for damages.

But with an errors and omissions (E&O) insurance policy, you’ll enjoy specialized liability protection against losses not covered by traditional business insurance.

Who needs E&O insurance?

  • Doctors
  • Lawyers
  • Accountants
  • Architects
  • Engineers
  • Wedding planners
  • Printers
  • Building-trades contractors
  • Designers
  • Advertising agencies


if your service is possible to be done incorrectly or late, and it costs your client money or harms their reputation, you need to investigate E&O.

What does E&O cover?

Errors and omissions protects you from claims in the event a customer or client sues your service business for negligent acts, errors or omissions occurring during business activities, and which could potentially result in a financial loss for the client.

Errors and omissions insurance policies usually cover the business owner, both salaried and hourly employees, and subcontractors working on behalf of the business.

Errors and omissions insurance can be customized to meet your specific needs, no matter what your business or industry. Real estate agents face different risks than printing companies, but both have potential to impact their customers' lives and livelihoods if a mistake occurs.

Benefits of a specialized E&O policy may also include:

  • Monthly payment options to help spread out your payments, so you can better manage your cash flow
  • Coverage of temporary staff, full-time employees, and independent contractors
  • Past work, covering unforeseen claims, arising from work completed before you were even insured, to a pre-agreed date
  • Worldwide coverage as long as the claim is filed in the U.S., one of its territories, or Canada
  • Claims responsiveness when time is of the essence, especially in the event of an insurance claim
  • Tailored coverage for the specific risks of your field and industry
  • Knowledgeable agents who provide exceptional, passionate service
  • Coverage for contracts satisfying most standard contract insurance requirements