Professional liability and errors and omissions insurance.

What E&O covers

E&O responds when a client alleges that a mistake, an omission, missed advice, a deadline, or a failure to perform as promised cost them money. Critically, it covers the defense as well as covered damages, and defending even a baseless claim is expensive. General liability covers bodily injury and property damage, not professional errors, which is why service firms need E&O specifically.

Claims-made and the retro date

Most E&O is written claims-made, meaning the policy that responds is the one in force when the claim is made, not when the work was done, and a retroactive date governs how far back covered work reaches. Letting coverage lapse or losing the retro date can leave past work unprotected, so continuity matters as much as the limit. We watch those details.

Matching it to your services and contracts

E&O has to match the services you actually provide, since work outside the described services may not be covered, and client contracts increasingly require E&O at specified limits with specific terms. We line the coverage up with your scope and your contracts.