Legal defense costs
Attorney fees, forensic discovery, and court costs paid outside or inside limits, defending your reputation against claims.
Errors & omissions protection
Professional liability insurance to safeguard your expertise and advice.
Shield your firm against claims of financial loss arising from professional advice, design errors, missed deadlines, negligence, or breach of professional duty across Georgia and Pennsylvania.
Quick insurance start
Why is professional liability (e&o) on your radar today?
Select the option that best matches your current situation, and we’ll carry it directly into your request.
Financial loss vs physical damage
Why General Liability cannot defend your professional advice.
General Liability requires tangible physical bodily injury or property damage to trigger. When a client alleges financial damages caused by an oversight, calculation error, or missed deadline, only an E&O policy responds.
Key coverage solutions
Structured around the realities of your situation.
Negligence & oversight
Protection against allegations of substandard work, erroneous recommendations, or failure to deliver contractual specifications.
Breach of contract allegations
Coverage for professional performance disputes and economic loss claims asserted by corporate clients.
Prior acts protection
Preserves your original retroactive date so past work completed years ago remains covered under your active policy.
Quote underwriting details
What we need to build your independent comparison.
- Services renderedExact professional scope: IT consulting, software engineering, bookkeeping, design, real estate, or business advisory.
- Contracting standardsUse of written client agreements with defined scopes of work and mutual limitation-of-liability clauses.
- Revenue & client sizeAnnual gross billings and average contract size, determining appropriate primary and excess limits.
Related discovery
Independent market access
We compare available markets for coverage, price, and fit.
Market access varies by state, product, risk details, eligibility, and underwriting. A listed carrier does not constitute a guarantee of coverage or rate.
Frequently asked questions
Common questions about professional liability (e&o).
What is a "claims-made" policy and why does it matter?
Almost all professional liability policies are written on a claims-made basis, meaning the policy in effect when the claim is filed responds, provided the incident occurred after your retroactive date.
What is a retroactive date?
The date your continuous E&O coverage began. Maintaining this uninterrupted date ensures work you did months or years ago remains protected.
Can legal defense fees exhaust my policy limits?
Depending on the carrier and form, defense costs can be "within limits" (eroding the indemnity limit) or "in addition to limits" (separate defense budget). We help you structure the right option.
Ready to begin?
Start your independent quote comparison today.
Tell us what changed. An agent will review your request, compare available markets, and follow up with clear recommendations.