Errors & Omissions (E&O)
Professional advice deserves professional protection.
If clients pay for your expertise — consulting, real estate, accounting, design, tech services — a single alleged mistake can trigger a six-figure lawsuit, even when you did nothing wrong. E&O pays for your defense and any settlement.
What's Covered
What E&O can include
Every policy is tailored — these are the building blocks we'll mix and match for you.
Professional Negligence
Claims alleging your work, advice, or service caused a client financial harm.
Legal Defense Costs
Attorney fees, court costs, and expert witnesses — often the largest expense even in meritless suits.
Missed Deadlines & Oversights
Honest mistakes, missed deliverables, and errors by you or your employees.
Prior Acts
Optional retroactive coverage for work performed before the policy began.
Quote your E&O coverage
Two minutes now, a licensed California agent on it within one business day.
Good to Know
E&O insurance questions, answered
What's the difference between E&O and general liability?
General liability covers physical harm — a client slipping in your office. E&O covers financial harm caused by your professional services. Most professionals need both.
Who needs E&O in California?
Consultants, real estate professionals, insurance and financial advisors, IT firms, marketing agencies, engineers, notaries — anyone whose advice or service a client relies on. Many client contracts require $1M in coverage.
What does E&O cost?
Solo professionals often pay $500–$1,500/year for $1M limits; rates scale with industry risk and revenue.
More Commercial Insurance
Let's get your E&O coverage right.
One conversation with an independent agent beats hours of online forms. We'll compare the market and explain your options in plain English.