Business Insurance
Professional Liability
Errors and omissions coverage for professional services and advice.
Overview
Understanding professional liability
Professional liability insurance — also called errors and omissions (E&O) — protects against claims arising from professional services, advice, or failure to perform duties. Coverage should match your service scope, client contracts, and industry-specific negligence standards.
Coverage Scope
What this coverage can help address
These are common areas programs may address. Specific terms depend on carrier forms, endorsements, and your operations.
- Negligent acts, errors, and omissions
- Defense costs and settlements
- Prior acts and extended reporting options
- Subpoena and disciplinary proceeding coverage
- Technology and media liability endorsements
Planning
Common coverage considerations
Factors that often influence limits, endorsements, and carrier selection.
Claims-made vs. occurrence policy structure
Retroactive dates and tail coverage on cancellation
Contractual indemnity and hold harmless alignment
Exclusions for specific services or jurisdictions
Coverage availability and eligibility depend on carrier underwriting guidelines, state requirements, and individual risk details.
Fit
Ideal for
Organizations and individuals who commonly evaluate this line of coverage.
Consultants, agencies, and professional service firms
Technology and SaaS providers
Real estate and financial professionals
Healthcare-adjacent and allied service providers
Related
Other business insurance lines
Explore additional coverage areas within business insurance.
General Liability
Protection for third-party bodily injury, property damage, and advertising injury claims.
Learn moreCommercial Property
Coverage for buildings, equipment, inventory, and business personal property.
Learn moreWorkers Compensation
Statutory coverage for work-related employee injuries and occupational illnesses.
Learn moreDiscuss professional liability with an advisor
Submit your information and a Northshore advisor will review your situation and outline appropriate next steps.
Submitting this form does not bind coverage, create a policy, or guarantee pricing. A licensed advisor will review your information and follow up directly.