Errors & Omissions (E&O) Insurance
Professional liability (E&O) insurance protects service businesses from claims of mistakes, negligence, or failure to deliver professional work.
Errors & Omissions Insurance for Growing Businesses
Clients depend on your advice, designs, and deliverables. When they believe an error caused financial harm, errors and omissions (E&O) insurance funds your defense and settlements.
Remco Insurance Services places professional liability coverage for consultants, agencies, technology firms, and licensed professionals nationwide.
What Is E&O Insurance?
E&O insurance, also called professional liability, covers claims that your professional services caused a client financial loss due to negligence, errors, omissions, or breach of duty. Unlike general liability, it addresses economic loss rather than bodily injury or property damage.
Policies are usually claims-made and tailored to your industry class, contract terms, and revenue mix.
E&O Coverage Highlights
Defense and indemnity for professional exposures.
Negligent Acts
Alleged mistakes or failure to perform professional services.
Defense Costs
Attorney fees and expert costs within limits and retentions.
Copyright & Media
Limited coverage for advertising injury in some tech and marketing forms.
Contractual Liability
May cover liabilities assumed in insured contracts when endorsed.
Prior Acts Coverage
Retroactive dates protect work performed before renewal if continuous coverage maintained.
Regulatory Proceedings
Some professions include defense for licensing board matters.
Why Professional Liability Is Essential
Contracts often require E&O limits. One disputed project can generate six-figure legal fees even if you did nothing wrong. Carriers also expect documented scopes, change orders, and client sign-offs.
We match forms to your deliverables: IT implementations, design work, insurance agency operations, real estate, and more.
Frequently Asked Questions
Any business providing advice, design, brokerage, technology, accounting, or specialized services should carry professional liability.
General liability covers bodily injury and property damage. E&O covers financial loss from professional services.
Intentional fraud and criminal acts are excluded. Negligent acts and honest mistakes are the focus.
Match contractual requirements and project size. Many firms start at $1 million per claim and adjust as contracts grow.
Yes with a retroactive date on a claims-made policy if prior acts coverage is negotiated and prior insurance history is disclosed.
Technology E&O may include some cyber elements, but dedicated cyber insurance is still recommended for breach response costs.
Get an E&O Quote
Protect your professional reputation with liability coverage built for how you deliver services.
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