Professional Liability (Errors & Omissions)

Clients can sue you by claiming your advice harmed them.

Having General Liability without Professional Liability (Errors & Omissions) coverage you are taking a serious risk. Commercial General Liability does not provide coverage for service errors, infringement of copyright, trademark, title, trade name, slogan; allegations of libel, slander, breach of privacy or negligence regarding the content of any media communication or any other Professional Liability issues. Errors & Omissions (E&O) provides coverage for all these issues and more.

E&O insurance provides coverage to help protect your assets when GL insurance does not. It picks up where the GL policy stops, which can literally save your business when you consider that your GL policy doesn't cover consequential financial loss.

Even if you're not at fault, litigation is time-consuming and costly. Errors & Omissions insurance will not only pay for damages, but also the cost of defense. E&O insurance is the most cost effective way to protect your business.

For example, for Web Designers, Errors and Omissions Liability protects from claims if your client holds you responsible for programming errors, web application performance, or the failure of your work to perform as promised in your contract.

Coverage also extends to both W2 employees and 1099 subcontractors, and can be worldwide in scope.

There are a number of other reasons you need E&O protection:

• While well-written contracts can help protect you against lawsuits, even clear and concise contracts are subject to legal attack.
• An E&O lawsuit must be defended against, even if it is unfounded and groundless.
• If you do not have E&O insurance, Directors and Officers may be liable for failure to obtain proper insurance.

We'll help you to protect yourself against litigation.