General liability covers what you break. This covers what you got wrong.
Professional liability and errors & omissions are two names for the same coverage: claims that your advice, design or professional service caused someone financial loss. General liability explicitly does not cover it.
Tell us the situation.
A licensed human replies the same business day — not an auto-responder, and not five producers calling at once. We shop it across our carriers and tell you if the policy you already have is the right one.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
What professional liability businesses actually need.
Negligent act, error or omission
Claims that your professional work fell short and cost the client money.
Without it — A design error or a missed filing becomes a direct claim against you with nothing responding.
Defence costs
The cost of defending the allegation, often whether or not it has merit.
Without it — Defending a claim you eventually win still costs more than most small businesses hold in cash.
Where professional liability shows up.
- Pesticide & Herbicide Application
Treating the wrong property, the wrong species or at the wrong rate damages the thing you were paid to protect, which is a professional claim rather than an accident.
- Professional Services
A client who says your advice or treatment cost them money has a claim general liability does not touch.
- Medical & Dental Practices
The largest exposure a practice has. A claim about the care itself — the diagnosis, the procedure, the record — is what malpractice answers, and nothing else on the policy touches it.
- Pet Services & Veterinary
Veterinary and grooming work is judged as professional service, which a standard business policy does not cover.
- Assisted Living & Residential Care
Care decisions, medication administration and supervision are judged as professional acts, not premises accidents.
- Non-Emergency Medical Transport
Where staff render any care beyond transport, the standard applied is a clinical one.
- Allied Health & Therapy Practices
A treatment decision that harms a client is a professional claim, and it is the coverage every licensing board expects you to hold.
- Regional Center Vendors
Clinical and behavioural services carry a professional standard as well as a general one.
- Speech Therapy Practices
Assessment and treatment decisions are professional exposures, and the licensing expectation is that you carry it.
- Occupational Therapy Practices
Treatment and assessment decisions, including equipment you recommended that turned out to be wrong for the client.
- Physical Therapy Practices
Manual therapy injuries and treatment decisions are the core exposure, and some modalities are excluded unless disclosed.
- Play & Behavioural Therapy
Treatment approach, assessment and progress reporting are professional decisions open to challenge.
- Chiropractic Practices
Injury alleged to arise from an adjustment is the defining claim, and it is what the licensing board expects you to carry.
- Concierge & Private Duty Nursing
Post-operative monitoring is clinical work with real consequences, performed away from any facility’s support.
What professional liability operators ask us.
Is errors and omissions insurance the same as professional liability?
Yes. They are two names for one coverage, and which one you hear depends on your trade rather than on what the policy does — insurance agents, real estate agents and consultants tend to say E&O, while architects, engineers and medical professionals tend to say professional liability. Some policies print both on the declarations page. If a contract asks for one and your policy says the other, that is almost always the same policy rather than a gap, but read the insuring agreement rather than the title to be certain.
What does E&O insurance cost?
For a small consultancy or agency, typically $500 to $1,500 a year for a $1M limit; professional services carrying more exposure — design, engineering, financial advice — run several thousand. The three things that move the number most are your revenue, the size of the contracts you sign, and the retroactive date, because a policy that covers ten years of past work costs more than one starting from today.
What does "claims made" mean?
Professional liability is normally written on a claims-made basis: it responds to claims MADE during the policy period, not to work done during it. That makes two dates load-bearing — the retroactive date, which sets how far back your past work is covered, and the policy period itself. Let the policy lapse and claims about work you did while insured are no longer covered, which is what extended reporting cover, or tail, exists to solve.
Do I need it if I have general liability?
If you are paid for judgement, advice or a professional service, yes. General liability responds to bodily injury and property damage — physical events. The claim a consultant, designer, accountant or agency actually faces is that their work was wrong and it cost money, which is a financial loss with no physical damage, and general liability excludes it by design rather than by oversight.