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Professional Liability (E&O)
When your product is advice
General liability handles the slip and fall - it does nothing when a client says your work or advice cost them money. Errors and omissions coverage defends and pays those claims, and defense costs alone justify the policy.
Who needs E&O
Consultants, real estate professionals, financial and insurance professionals, IT firms, designers, inspectors, bookkeepers - anyone paid for expertise or judgment. Many client contracts now require it.
Claims-made: the dates matter
E&O policies are claims-made, so retroactive dates and continuous coverage decide whether past work stays protected. A lapse can erase years of coverage - we manage the dates so that never happens.
What an independent broker does for you
As independent brokers we are not tied to one company. We shop multiple carriers, compare the quotes side by side, and place you with the one that fits your situation and budget. When the market moves, we re-shop it - you should never have to become an insurance expert to be treated like one.