Professional E & O

Professional Liability Insurance (Malpractice, Errors & Omissions Insurance policy) protects your company from claims if your client holds you responsible for errors, or the failure of your work to perform as promised in your contract.

In other words, it indemnifies professionals, doctors, lawyers, architects, etc. for the loss or expense resulting from malpractice, error or mistake committed or alleged to have been committed by the insured in his profession.

Coverage includes legal defense costs - no matter how baseless the allegations. Professional Liability insurance will pay for any resulting judgments against you, including court costs, up to the coverage limits on your policy.

Professional Liability Insurance coverage extends to both W2 employees and 1099 subcontractors, and can be worldwide in scope.

It is important to know that Professional Liability Insurance - Errors & Omissions - coverage is not provided by a Commercial General Liability policy. Commercial General Liability does NOT provide coverage for errors, contract performance disputes or any other Professional Liability issues. Companies who have General Liability without Professional Liability Insurance - Errors and Omissions - coverage are taking a serious risk. It’s like a doctor practicing medicine without Malpractice Insurance.

Professional Liability (Errors and Omissions) coverage insures not only your mistakes, but also the mistakes of the employees and Independent Contractors you hire.

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