Professional services
The policy must describe the work you actually perform, including new services and advice added as the business grows.
Professional liability
Protection when your work is called into question.
Errors and omissions coverage helps when a client claims your advice, service, or missed detail caused financial harm.
What this covers
Coverage for the promises behind your service.
The right policy starts with the details of how the organization works and what it needs to protect.
Claims & defense
We review how defense costs apply, which allegations trigger coverage, and how the policy handles settlements.
Continuity of coverage
Claims-made policies depend on dates and continuous coverage. A gap can matter long after the work was completed.
Typically included
What a useful review should include.
We compare the parts together so a lower price does not hide a larger gap.
Covered servicesPrior-acts dateDefense-cost treatmentLimit and deductibleContractual-liability termsSubcontractor exposureCyber or privacy overlapExtended reporting optionsNot sure? Ask us
Where policies fall short
Where coverage can fall short.
Most problems begin with an assumption that was never checked against the policy.
Services the policy never names
A business evolves, but the application and policy description may still reflect what it did years ago.
A break in claims-made coverage
Changing or canceling a policy without protecting earlier work can create a gap that is difficult to repair.
Contract promises broader than coverage
Client agreements may require guarantees or assume liability the policy was not designed to cover.
Common questions
Questions clients ask first.
Straight answers before a decision is made.
Is this the same as general liability?
No. General liability usually addresses bodily injury and property damage; E&O focuses on financial harm tied to professional services.
Who needs E&O coverage?
Consultants, agencies, technology firms, professional services, and many businesses that give advice or perform work for a fee may need it.
What does claims-made mean?
Coverage usually depends on when the claim is reported and how that date relates to the policy’s prior-acts terms.
Our review
What we review with you.
Current service list
Largest contracts
Client insurance requirements
Prior-acts date
Known circumstances
Subcontractor agreements
Defense costs
Limit adequacy
Let’s review errors & omissions insurance together.
Bring the current plan or policy. We will explain what it does, identify gaps, and compare the options that fit.