Professional Liability (E&O)

GL doesn't cover your
professional mistakes.
E&O does.

If a client claims your advice, services, or work caused them financial harm — your General Liability policy won't cover it. Professional Liability (E&O) is the policy that protects service-based businesses from the claims most likely to actually happen.

✓ Errors & Omissions✓ Negligence Claims✓ Contract Disputes✓ Legal Defense Costs
Carriers We Work With
HiscoxTravelersCNAChubbMarkel+ 15 more
✦ Free & No Obligation

Get Your E&O Quote

5 minutes · Licensed agents ready

What type of professional services do you provide?
Tell us about your business
Where should we send your quotes?
🔒Secure & never sold. A licensed agent will contact you.
✅

You're all set, there!

A licensed CoverGuard agent will contact you within 1 business hour.

📞 Call Now Instead
Why It Matters
GL doesn't cover
professional mistakes. E&O does.
💼

Your Expertise Is Your Risk

General Liability covers physical accidents. Professional Liability (E&O) covers financial losses your clients claim were caused by your advice, services, or mistakes. For service-based businesses, it's non-negotiable.

💼
$45K
Average E&O claim cost for a small professional services firm
📋

Required by Most Contracts

Professional service contracts — especially in tech, finance, healthcare, and consulting — routinely require E&O coverage. Without it, you can't sign the deal.

1 in 7
Professional service firms face an E&O claim each year
📊
What's Covered
Every detail of your
coverage, explained.
❌
Errors & Omissions
Covers claims that your work contained errors, mistakes, or omissions that caused a client financial harm — even if you believe you performed correctly.
Core Coverage
  • Mistakes in professional work
  • Missed deadlines
  • Work that doesn't meet specs
  • Data entry or calculation errors
😤
Negligence Claims
Protects you if a client claims your professional negligence caused them financial damage — even if the claim is unfounded, defense costs alone can exceed $50,000.
Core Coverage
  • Client claims of negligence
  • Breach of professional duty
  • Failure to deliver promised services
  • Frivolous suit defense
📝
Contract Disputes
Covers claims that you failed to fulfill contractual obligations, including disputes over scope of work, deliverables, timelines, and performance standards.
Included
  • Scope of work disputes
  • Performance claim defense
  • Breach of contract allegations
⚖️
Legal Defense Costs
E&O covers your legal defense costs — attorney fees, court costs, and settlements — even when you're ultimately found not liable.
Included
  • Attorney fees
  • Court & filing costs
  • Settlement negotiations
  • Expert witness fees
🌐
Technology E&O
For tech companies, SaaS providers, and IT consultants — covers failures of your technology products or services to perform as intended.
Tech Businesses
  • Software failures
  • System downtime claims
  • Data loss from tech failure
  • API & integration errors
🏥
Industry-Specific E&O
Specialized E&O for real estate agents, insurance agents, financial advisors, architects, engineers, attorneys, and other licensed professionals.
Licensed Professionals
  • Real estate agent E&O
  • Insurance agent E&O
  • Financial advisor liability
  • Architect & engineer coverage
Client Reviews
Businesses protected
by CoverGuard.
Saved $3,200/year on coverage
★★★★★
"We'd been with our previous insurer for 6 years. CoverGuard found us better coverage and saved our business over $3,000 a year. The agent also identified a coverage gap we didn't even know about."
TM
Tom M.
Owner · Martinez Roofing Co.
★★★★★
"CoverGuard got us covered same day. Fast, clear, and the agent explained every option without pressure. Exactly what a small business needs."
SP
Sarah P.
Small Business Owner · Whittier, CA
★★★★★
"One policy review per year and everything is handled. Couldn't be easier — they actually look out for our business."
RC
Rosa C.
Restaurant Owner · 3 Locations
FAQ
Questions answered.
What's the difference between E&O and General Liability? +
GL covers physical accidents — someone gets hurt or property is damaged. E&O covers financial harm caused by your professional advice, services, or mistakes. Both are essential for service businesses; neither replaces the other.
Do I need E&O if I have a contract that limits my liability? +
Yes. Liability limitation clauses in contracts are often unenforceable, especially in California. A client can still sue you regardless of what your contract says, and you'll need E&O to pay for your defense.
Is E&O the same as malpractice insurance? +
Malpractice is a type of E&O designed for licensed healthcare and legal professionals. E&O is the broader term used for consultants, tech firms, real estate agents, and other professionals. The coverage concept is the same.
How much E&O coverage do I need? +
Most small businesses start with $1M per claim / $1M aggregate. If you work on large contracts or have high-revenue clients, consider $2M or higher. We'll match your limits to the actual risk level in your contracts.
Does E&O cover claims from past work? +
Only if you have a 'prior acts' or 'retroactive date' provision. Most claims-made E&O policies include this for an additional premium. We'll make sure your policy protects you for past work.
What industries most need Professional Liability? +
Any business that provides advice, recommendations, designs, or professional services: consultants, IT/tech firms, real estate agents, marketing agencies, accountants, architects, financial advisors, healthcare practitioners, and legal professionals.
Other Business Coverage
Complete protection
for your business.
🛡️
General Liability
Foundation coverage for third-party injury, property damage, and advertising claims.
📦
Business Owner Policy
GL + commercial property bundled into one cost-effective policy.
👷
Workers Compensation
Required in California for any business with employees.
💼
Professional Liability
E&O coverage for service-based businesses against negligence claims.
🚐
Commercial Auto
Coverage for vehicles used in your business — personal policies won't cover them.
🔐
Cyber Liability
Data breach, ransomware, and cyber incident coverage for modern businesses.

Protect the work you've built your reputation on.

Free E&O comparison. No obligation. Licensed business insurance specialists.

Get My Free Quote →📞 (562) 758-1200
💼 Get My E&O Quote