E&O Insurance Coverage
If you give advice, manage accounts, offer a service, or sign off on recommendations—this one’s for you.
Errors and Omissions Insurance
E&O insurance (short for Errors & Omissions) protects your business when a client says you got it wrong. That could mean a mistake, a missed deadline, a miscommunication, or simply something that didn’t go the way they expected. Even if you didn’t actually do anything wrong, you can still get pulled into a costly legal mess. E&O is the coverage that keeps that from becoming a financial disaster. Here’s what it typically covers:
Legal defense costs (whether or not you’re at fault)
Settlements or judgments
Claims of negligence, error, or oversight
Missed deliverables or deadlines that result in financial loss
It doesn’t cover things like bodily injury, property damage, or intentional wrongdoing. That’s what general liability and other coverages are for. Think of E&O as protection for the work that lives in your inbox, your Zoom calls, and your deliverables.
Who Needs E&O Insurance?
If your work involves providing expertise or services—you probably do. We’re talking:
- Consultants
- Accountants & bookkeepers
- Real estate professionals
- Marketing agencies
- Designers & developers
- Financial advisors
- IT professionals
- Architects & engineers
Basically, if a client could say “you didn’t do what you said you would” or “your work caused me financial loss,” E&O matters.
Why It’s Worth It
Even if the claim is totally baseless, defending yourself can cost six figures. Most small businesses don’t have that kind of cash sitting around. E&O coverage lets you stay focused on your work—not fighting lawsuits.
And if you’re one of our clients? We’ll help you build a policy that fits your actual risk—not a generic template from the internet.
Need help figuring out if E&O is right for your business?
Reach out. We’ll talk it through, minus the jargon.