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Professional Liability Insurance (Errors & Omissions) safeguards you against claims of negligence, mistakes, and failure to deliver services.
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What is Professional Liability Insurance?
often called Errors and Omissions (E&O) Insurance, is a specialized coverage designed to protect professionals against claims of negligence, mistakes, or failure to deliver promised services. If a client believes your advice, work, or service caused them financial harm, this policy helps cover legal defense costs, settlements, and judgments. In short, it safeguards both your reputation and your bottom line when the unexpected happens.
What Types of Business Insurance Do You Need?
We offer customized Business Insurance packages, no matter your industry, size, and risk profile.
General Liability Insurance
Protects against claims of bodily injury, property damage, or advertising injury. Required by landlords, clients, or licensing boards.
Commercial Property Insurance
Covers buildings, inventory, furniture, and business equipment.
Available as part of a Business Owners Policy (BOP).
Business Owners Policy (BOP)
Combines general liability + property + loss of income.
Ideal for small to midsize businesses.
Professional Liability (E&O)
Covers mistakes, errors, or omissions in your work.
Essential for consultants, real estate pros, and service-based businesses.
Commercial Auto Insurance
Covers company-owned vehicles or employees using cars for work. Includes liability, physical damage, and hired/non-owned auto.
Workers Compensation
Mandatory in most states once you hire employees.
Covers work injuries, medical costs, and lost wages.
Cyber Liability Insurance
Protects against hacking, data breaches, and digital theft.
Highly recommended for businesses with customer data or e-commerce.
Umbrella Liability Insurance
Adds extra liability coverage above all other policies.
Protects your assets from major lawsuits or claims.
Professional Liability (E&O) Coverage Options
Protect your work, your reputation, and your balance sheet from claims tied to professional services.
Errors & Omissions (Core)
Protection for mistakes, bad advice, or missed deliverables.
Defense Costs
Attorney fees & court costs when you're sued.
Claims‑Made Coverage
Coverage applies when the claim is first made and reported.
Prior Acts (Retro Date)
Protection for work done before policy inception.
Extended Reporting (Tail)
Extra time to report claims after the policy ends.
Contractual Liability (Limited)
Coverage for certain contract‑related allegations.
Media & IP
Protection for content and advertising disputes.
Cyber & Privacy
Add‑on for data breach and privacy events.
Regulatory & Disciplinary
Help with investigations or license actions.
Worldwide Coverage
Serve clients globally (territory rules apply).
Tailored Coverage for Every Industry
Consultants & Business Advisors
Strategy, management, operations, and process consultants offering paid advice.
Accountants & Tax Preparers
CPAs, EAs, and bookkeeping firms handling financial statements and filings.
Insurance & Financial Advisors
Producers, RIAs, and benefits consultants making product and plan recommendations.
IT, Software & Cybersecurity
Developers, MSPs, SaaS teams, and implementers whose work can impact uptime/data.
Marketing, Creative & Media
Agencies, designers, copywriters, and content studios producing client campaigns.
Architects, Engineers & Designers
Architecture, civil/structural, MEP, and other professional design disciplines.
Inspectors, Auditors & Compliance
Property/home inspectors, QA auditors, and compliance consultants issuing reports.
Real Estate Professionals
Brokers, property managers, and appraisers involved in client transactions.
Therapists & Allied Health (Non-MD)
Counselors, social workers, dietitians, and wellness practitioners.
Educators, Tutors & Coaches
Academic tutors, corporate trainers, and life/executive coaches.
HR, Staffing & Recruiting
Headhunters, HR consultants, and placement firms advising on hires and policy.
Event & Personal Services
Planners, coordinators, notaries, and specialty service providers.
Don't see Your Business?
OnePoint covers additional business types not listed
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Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Industry-Specific Insurance Solutions
Retail & E‑commerce
Solutions for online and physical stores to boost sales and streamline operations.
Read More →Restaurants & Food Services
Tools to attract diners, manage bookings, and grow your food business.
Read More →Real Estate & Property Management
Support for agents, brokers, and managers to close deals faster.
Read More →Construction & Contracting
Build stronger client relationships and manage projects efficiently.
Read More →Nonprofits & Religious Organizations
Engage communities, manage donations, and grow your mission.
Read More →Beauty & Wellness
Solutions for salons, spas, and barbershops to attract and retain clients.
Read More →Professional Services
For legal, finance, and consulting firms to manage clients effectively.
Read More →Healthcare, Manufacturing, Energy
Industry solutions to scale operations and serve clients better.
Read More →Don’t see your industry? We probably cover it. Ask us
Why Businesses Trust OnePoint Insurance Agency
Fast, personalized quotes
Affordable plans with flexible options
Dedicated agents who understand small businesses
Claims support when you need it most
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Professional Liability Frequently Asked Questions
What does Professional Liability (E&O) actually cover?
It helps pay for claims that your professional services had an error, omission, or were allegedly negligent—think bad advice, missed deadlines, or mistakes in deliverables. It typically covers legal defense, settlements, and judgments (up to your limits), even if a claim is groundless.
Who needs E&O insurance?
If you sell advice or specialized services, you do. Common examples:
- Consultants, agencies, designers, and developers
- Real estate, insurance, and financial professionals
- Healthcare and allied health (often via specialized forms)
- Architects, engineers, accountants, attorneys (usually bespoke policies)
Is E&O the same as General Liability?
No. General Liability covers bodily injury, property damage, and certain advertising injury. E&O covers financial loss from your professional services (bad advice, errors, omissions). Most contracts expect both.
Claims-made vs. occurrence—what’s the difference?
E&O is usually claims-made: the policy in force when the claim is made responds (not when the work was done). You’ll see terms like retroactive dates and tail coverage because timing matters.
What’s a retroactive date and why should I care?
The retro date is the earliest date your prior work is covered. Keep it as far back as possible and don’t let it reset when you switch carriers—otherwise older work may be uninsured.
Do I need tail coverage (extended reporting period)?
Yes if you’re canceling, selling, or pausing operations. Tail coverage lets you report claims after the policy ends for work done while it was active. Without it, late-arriving claims can be denied.
Are defense costs inside or outside the limits?
Depends on the policy. Inside the limits means legal fees erode your limit. Outside preserves your limit for settlements. Ask for outside if available, or set higher limits when defense is inside.
What’s typically excluded?
Intentional wrongdoing, fraud, bodily injury/property damage (that’s GL), employment-related claims (EPLI), and many cyber/Privacy events (Cyber). Contractual guarantees and fee disputes are often limited or excluded.
How much does E&O cost?
Pricing is based on your profession, revenue, claims history, limit/deductible, and client mix. Entry-level policies for low-risk consultancies may start in the low four figures annually; higher-risk fields run more. A quick quote is the only honest way to know.
What limits should I carry?
Start with your largest contract requirement. Common small-business limits are $1M per claim / $1M–$2M aggregate. If projects are high-stakes or you have defense-inside-limits, consider going higher or adding excess.
Are subcontractors and 1099s covered?
Often only for your vicarious liability not their independent work. Require subs to carry their own E&O and name your company as an additional insured when possible (if the form allows).
How do I prove coverage to a client fast?
Ask us for a Certificate of Insurance (COI) with the exact wording your contract requires. We can usually turn COIs quickly, but unusual endorsements may take carrier approval.
What should I do if I suspect a claim?
Report it early, even if it’s just a “circumstance.” Late notice can jeopardize coverage on claims-made policies. Save communications, pause fixes that could alter evidence, and loop us in so we can quarterback the response.
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Coverage varies by carrier and state. This is general info, not legal or policy advice. Always review your actual policy forms.
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888-899-8117
555 NorthPoint Center E, Alpharetta
Georgia. 30022
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