The policy that defends the work, not just the worker.
Professional liability — also called errors & omissions — covers legal defense, settlements, and judgments that come from the advice and services you deliver. We tailor it to your profession, not a generic template.
Three things a good E&O policy actually does.
Most professional liability claims aren't lost cases — they're disputes that need a strong defense and a calm coverage advocate. The policy structure matters.
Legal defense costs
Attorney fees, expert witnesses, and court costs — usually in addition to the limit, which is what you want. We'll tell you when a policy quotes "defense inside the limit" so you can avoid it.
Settlements & judgments
Negotiated payouts and court-ordered awards within the policy limit. We size limits to your contract values and the regulatory exposure of your work.
Disciplinary & regulatory defense
For licensed professionals, the policy can respond to board complaints and regulatory investigations — often before any lawsuit is filed.
Prior acts coverage
Claims-made policies need a retro date that goes back to when you started the work. We negotiate it correctly so a switch in carriers doesn't create a gap.
Tail / extended reporting
If you retire, sell the practice, or change carriers, an Extended Reporting Period keeps coverage alive for claims reported after the policy ends.
Cyber liability bolt-ons
Where applicable — privacy liability, breach response, and ransomware coverage tied into the same program so claims aren't bounced between carriers.
Professionals whose advice and services carry real consequences.
If a client could plausibly say "you should have caught that," you need professional liability — and a carrier with experience defending it.
What we'll need to quote
- Description of services and revenue split by service line
- Annual gross revenue (or projected, for new firms)
- Largest contract value and largest single client share
- Five-year claims history, including notices and circumstances
- Current declarations page, if you have one
Professional liability, demystified.
What's the difference between General Liability and Professional Liability?
General Liability covers bodily injury and property damage — the classic "slip and fall." Professional Liability covers financial loss caused by the advice or service you delivered. They protect against very different claims; most professionals need both.
What's "claims-made" vs. "occurrence"?
Most professional liability policies are claims-made: coverage triggers when the claim is reported, not when the work was done. That's why retro dates and tail coverage matter so much when you switch carriers.
I'm a sole proprietor — is this overkill?
Often the opposite. Solo practitioners are personally exposed for the work. A relatively inexpensive policy can mean the difference between a recoverable claim and one that comes out of personal assets.
What about cyber and privacy claims?
Most modern E&O programs include some level of cyber coverage, but the limits and triggers vary widely. We package or stand-alone cyber based on your data exposure, not the carrier's default.
Talk to an advisor who's actually read an E&O policy.
We'll review your current coverage form, flag the limits and exclusions that matter, and show you the carriers built for your kind of work.