---
title: "What Is Professional Errors and Omissions (E&O) Insurance?"
description: "Professional E&O insurance addresses claims that a mistake in your advice or services caused a client financial loss."
canonical: "https://spot.insure/coverage/professional-errors-omissions"
page-type: "coverage-article"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, and compare_providers for sourced comparisons. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/coverage/professional-errors-omissions)

# What Is Professional Errors and Omissions (E&O) Insurance?

Professional E&O insurance addresses claims that a mistake in your advice or services caused a client financial loss.

## Summary

Professional errors and omissions (E&O) insurance, also called professional liability insurance, addresses claims that professional services or advice caused a client financial loss. [1](https://www.tdi.texas.gov/commercial/pl-faq.html) [2](https://www.iii.org/article/professional-liability-insurance) [3](https://www.sba.gov/counseling/launch-your-business/#business-insurance) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf)

## What Does Professional Errors and Omissions (E&O) Insurance Cover?

Professional errors and omissions (E&O) insurance, also called professional liability insurance, addresses claims that professional services or advice caused a client financial loss. [1](https://www.tdi.texas.gov/commercial/pl-faq.html) [2](https://www.iii.org/article/professional-liability-insurance) [3](https://www.sba.gov/counseling/launch-your-business/#business-insurance) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf)

### Professional Services and Financial Loss

Ask how the quote addresses a client’s financial loss from professional services, and compare its treatment of bodily injury and property damage. [1](https://www.tdi.texas.gov/commercial/pl-faq.html) [2](https://www.iii.org/article/professional-liability-insurance) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf)

### How It Differs From General Liability

Separate injury or property-damage exposures from allegations that professional advice or services caused a client financial loss. [1](https://www.tdi.texas.gov/commercial/pl-faq.html) [2](https://www.iii.org/article/professional-liability-insurance) [3](https://www.sba.gov/counseling/launch-your-business/#business-insurance)

## Who Needs Professional Errors and Omissions (E&O) Insurance?

Consider professional E&O if customers pay for your advice or services and a mistake could cost them money. [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html) [3](https://www.sba.gov/counseling/launch-your-business/#business-insurance) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html)

## Coverage Examples

These are examples, not coverage guarantees. Your policy terms and the facts of the claim determine what is covered.

### A Client Says Your Advice Cost Them Money

A client alleges that an error in your professional advice caused a financial loss.

Professional E&O may pay defense costs and covered damages. The service you provided must fit the work insured, and defense spending may reduce the limit. [1](https://www.tdi.texas.gov/commercial/pl-faq.html) [2](https://www.iii.org/article/professional-liability-insurance) [3](https://www.sba.gov/counseling/launch-your-business/#business-insurance) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html) [1](https://www.tdi.texas.gov/commercial/pl-faq.html) [2](https://www.iii.org/article/professional-liability-insurance) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html) [2](https://www.iii.org/article/professional-liability-insurance) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [2](https://www.iii.org/article/professional-liability-insurance)

### An Old Project Leads to a New Claim

A former client brings a claim after you've switched insurers.

Protection for earlier work depends on the retroactive date and reporting terms. An extended reporting period may help with later claims when earlier coverage ends. [1](https://www.tdi.texas.gov/commercial/pl-faq.html) [2](https://www.iii.org/article/professional-liability-insurance) [3](https://www.sba.gov/counseling/launch-your-business/#business-insurance) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html) [2](https://www.iii.org/article/professional-liability-insurance) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html)

## How Does It Compare With Related Coverage?

### Technology Errors and Omissions

Confirm whether the quote schedules professional services under professional errors and omissions (E&O) coverage, or uses a separate technology errors and omissions form for technology products or services. [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [2](https://www.iii.org/article/professional-liability-insurance) [5](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm)

### Medical Malpractice

Medical malpractice is a specialized professional-liability product for health care; do not treat a general professional E&O quote as a substitute for it. [5](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm) [2](https://www.iii.org/article/professional-liability-insurance) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf)

### Business Owner’s Policies

Do not assume a business owner’s policy includes professional liability; check the proposed coverage and whether you need a separate policy. [2](https://www.iii.org/article/professional-liability-insurance) [6](https://www.iii.org/article/do-i-need-professional-liability-insurance)

## How Do You Compare Coverage and Costs?

### Claims-Made Timing

Ask whether the quote is claims-made, when a claim must be made and reported, and whether an occurrence form is available instead. [2](https://www.iii.org/article/professional-liability-insurance) [1](https://www.tdi.texas.gov/commercial/pl-faq.html) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf)

When replacing claims-made coverage, compare the retroactive date and reporting terms with your current policy. Earlier work may need to remain covered, and known circumstances must be disclosed. A new start date alone doesn't establish continuity for advice or services you delivered in the past. [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html)

If you change insurers or stop buying claims-made coverage, ask about an extended reporting period for later claims arising from earlier work. [2](https://www.iii.org/article/professional-liability-insurance) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html)

| Timing question | What to ask |
| --- | --- |
| Claims-made or occurrence | When must the claim be made and reported, and is an occurrence form available instead? |
| Retroactive date | Does prior work count, and have you disclosed known circumstances that could become claims? |
| Changing insurers or stopping coverage | Is an extended reporting period available for later claims that arise from earlier work? |

[2](https://www.iii.org/article/professional-liability-insurance) [1](https://www.tdi.texas.gov/commercial/pl-faq.html) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html) [2](https://www.iii.org/article/professional-liability-insurance) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html)

### Defense, Limits and Scheduled Services

Check the insurer’s duty to defend, whether defense expenses reduce the available limit, and any consent-to-settle terms. [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html) [2](https://www.iii.org/article/professional-liability-insurance)

Compare the each-claim limit, the aggregate limit, and the deductible or retention. [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [2](https://www.iii.org/article/professional-liability-insurance)

Confirm the named businesses and people insured and the professional services the quote actually schedules. [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html)

### Exclusions

Ask how the quote treats bodily injury, property damage, dishonest acts, intellectual-property claims and failure to protect confidential information. [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [2](https://www.iii.org/article/professional-liability-insurance)

## What Do You Need for a Quote?

### Services and Contracts

Prepare a description of the professional services you sell, who performs them, and the clients or contracts that require proof of insurance. [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html) [3](https://www.sba.gov/counseling/launch-your-business/#business-insurance)

### Claims History and Current Terms

Have information on prior claims, incidents and known circumstances that could become claims ready for the discussion. [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html)

Bring current professional-liability terms, the retroactive date and any existing extended-reporting or tail arrangement. [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html)

| Prepare | How to use it |
| --- | --- |
| Services you sell, who performs them, and contracts that require proof of insurance | Match the scheduled services and insured names to the work you actually do. |
| Prior claims, incidents and known circumstances that could become claims | Give the broker a concrete history instead of a generic “no losses.” |
| Current professional-liability terms, retroactive date, and any extended-reporting or tail arrangement | Compare continuity if you are changing insurers or stopping a claims-made policy. |

[4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html) [3](https://www.sba.gov/counseling/launch-your-business/#business-insurance) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html)

## Key Terms in Plain English

### Professional Services

The work named in the quote. Confirm it matches the services you actually sell and the people providing them. [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html)

### Extended Reporting Period

Extra time to report eligible claims about earlier work after claims-made coverage ends. [2](https://www.iii.org/article/professional-liability-insurance) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html)

## Frequently Asked Questions

### Is Professional Liability Included in a BOP?

Not automatically. Check whether professional liability is included, added or quoted separately. [2](https://www.iii.org/article/professional-liability-insurance) [6](https://www.iii.org/article/do-i-need-professional-liability-insurance)

### What if a Claim Arrives After I Stop Buying Coverage?

An extended reporting period may provide a way to report later claims about earlier work. Discuss it before ending or replacing claims-made coverage. [2](https://www.iii.org/article/professional-liability-insurance) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html)

### Do I Need Professional E&O if I Already Have General Liability?

The policies address different exposures. General liability concerns injury and property damage; professional E&O concerns allegations that your services or advice caused a client financial loss. Compare the actual terms before treating one as sufficient for both. [1](https://www.tdi.texas.gov/commercial/pl-faq.html) [2](https://www.iii.org/article/professional-liability-insurance) [3](https://www.sba.gov/counseling/launch-your-business/#business-insurance) [1](https://www.tdi.texas.gov/commercial/pl-faq.html) [2](https://www.iii.org/article/professional-liability-insurance) [3](https://www.sba.gov/counseling/launch-your-business/#business-insurance) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf)

### Can Professional E&O Cover Work Done Before the Policy Started?

It may, depending on the retroactive date and prior-work terms. Confirm those terms and disclose known circumstances that could become claims instead of assuming all earlier work is included. [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html)

## Related Coverage

- [What Is General Liability Insurance?](https://spot.insure/coverage/general-liability) — General liability covers claims that your business injured someone, damaged their property or committed a specified personal or advertising offense. It does not insure your own building or equipment.
- [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions) — Technology errors and omissions (E&O) insurance addresses claims that a technology product or service caused a customer or other third party a financial loss.
- [What Is Medical Malpractice Insurance?](https://spot.insure/coverage/medical-malpractice) — Medical malpractice insurance is professional liability coverage for claims arising from a health care professional’s medical services.
- [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy) — A business owner’s policy packages property, general liability and business interruption coverage for eligible businesses.

## Documented Providers

### [Alliance Risk](https://spot.insure/insurance-providers/alliance-risk)

Alliance Risk arranges professional liability insurance. [7](https://joinalliancerisk.com/coverages/)

### [Amelia Risk](https://spot.insure/insurance-providers/amelia-risk)

Amelia Risk arranges professional errors and omissions insurance for startups. [8](https://ameliarisk.com/specialties/startups/)

### [At-Bay](https://spot.insure/insurance-providers/at-bay)

At-Bay offers primary miscellaneous professional liability insurance. [9](https://www.at-bay.com/insurance/mpl/)

### [Beazley](https://spot.insure/insurance-providers/beazley)

Beazley offers professional errors and omissions insurance through MediaTech for small technology and business-services companies. [10](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/) [11](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy)

### [CFC](https://spot.insure/insurance-providers/cfc)

CFC offers professional liability insurance for professional-service businesses. [12](https://www.cfc.com/en-us/products/class/professional-liability/)

### [Chubb](https://spot.insure/insurance-providers/chubb)

Chubb offers professional errors and omissions insurance through Pro ERM for non-licensed professional-service firms. [13](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html) [14](https://www.chubb.com/us-en/business-insurance/software-system-developers.html)

### [Coalition](https://spot.insure/insurance-providers/coalition)

Coalition offers miscellaneous professional liability as an addition to eligible Active Cyber policies. [15](https://www.coalitioninc.com/insurance/miscellaneous-professional-liability-insurance)

### [Corgi](https://spot.insure/insurance-providers/corgi)

Corgi lists miscellaneous errors and omissions coverage for service-based businesses. [16](https://www.corgi.insure)

### [Coterie Insurance](https://spot.insure/insurance-providers/coterie)

Coterie lists miscellaneous professional liability for eligible small businesses in participating states. [17](https://coterieinsurance.com/insurance/) [18](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/Current%20Appetite%20Content/Professional%20Liability%20Brochure_December2025.pdf)

### [Coverdash](https://spot.insure/insurance-providers/coverdash)

Coverdash lists professional liability in its Professional & Management catalog, separately from technology errors and omissions. [19](https://www.coverdash.com/coverage)

### [Embroker](https://spot.insure/insurance-providers/embroker)

Embroker lists professional liability (errors and omissions) for professional services, separately from lawyers professional liability and technology errors and omissions. [20](https://www.embroker.com/coverage/) [21](https://access.embroker.com/for-brokers/lawyers-professional-liability-program/)

### [ERGO NEXT Insurance](https://spot.insure/insurance-providers/next-insurance)

ERGO NEXT lists professional liability insurance, also called errors and omissions insurance. [22](https://www.nextinsurance.com/professional-liability-insurance/)

### [Founder Shield](https://spot.insure/insurance-providers/foundershield)

Founder Shield lists errors and omissions for lawsuits alleging inferior work or service. [23](https://foundershield.com/coverage/)

### [Gallagher](https://spot.insure/insurance-providers/gallagher)

Gallagher arranges professional errors and omissions insurance for small businesses. [24](https://www.gallaghersmallbusiness.com/insurance-products/)

### [Harper](https://spot.insure/insurance-providers/harper)

Harper includes professional liability in its coverage directory and quote intake as claims about work or advice. [25](https://www.harperinsure.com/coverages)

### [Heffernan Insurance Brokers](https://spot.insure/insurance-providers/heffernan)

Heffernan arranges professional errors and omissions insurance for small businesses. [26](https://www.heffins.com/business-insurance/small-business/)

### [Hiscox](https://spot.insure/insurance-providers/hiscox)

Hiscox offers professional errors and omissions insurance for small businesses. [27](https://www.hiscox.com/small-business-insurance/professional-liability-insurance) [28](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance)

### [HUB International](https://spot.insure/insurance-providers/hub-international)

HUB International arranges professional errors and omissions insurance. [29](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/) [30](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/)

### [Kinro](https://spot.insure/insurance-providers/kinro)

Kinro lists professional liability (errors and omissions) for claims tied to professional advice, errors, omissions or service mistakes. [31](https://kinro.com/products) [32](https://kinro.com/products/professional-liability)

### [Lockton](https://spot.insure/insurance-providers/lockton)

Lockton arranges professional errors and omissions insurance. [33](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms)

### [Marsh](https://spot.insure/insurance-providers/marsh)

Marsh arranges professional errors and omissions insurance. [34](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html) [35](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html)

### [Mylo](https://spot.insure/insurance-providers/mylo)

Mylo compares professional liability quotes for claims from clients unhappy with professional services. [36](https://choosemylo.com/business/product-professional-liability)

### [Newfront](https://spot.insure/insurance-providers/newfront)

Newfront lists errors and omissions among its executive-risk coverage services. [37](https://www.newfront.com/executive-risk)

### [Pie Insurance](https://spot.insure/insurance-providers/pie-insurance)

Pie Insurance arranges professional errors and omissions insurance for small businesses through third-party insurers. [38](https://www.pieinsurance.com/errors-and-omissions-insurance)

### [Relm Insurance](https://spot.insure/insurance-providers/relm)

Relm lists professional errors and omissions insurance for placement through brokers. [39](https://relminsurance.com/lines-of-business/)

### [StartupInsurance.ai](https://spot.insure/insurance-providers/startupinsurance)

StartupInsurance.ai arranges professional errors and omissions insurance for startups. [40](https://www.startupinsurance.ai/)

### [TechInsurance](https://spot.insure/insurance-providers/techinsurance)

TechInsurance arranges professional errors and omissions insurance for small businesses. [41](https://www.techinsurance.com/small-business-insurance)

### [The Hartford](https://spot.insure/insurance-providers/the-hartford)

The Hartford offers professional liability insurance for service businesses. [42](https://www.thehartford.com/professional-liability-insurance)

### [Travelers](https://spot.insure/insurance-providers/travelers)

Travelers offers professional errors and omissions insurance. [43](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions)

### [USI Insurance Services](https://spot.insure/insurance-providers/usi)

USI arranges professional errors and omissions insurance. [44](https://www.usi.com/property-casualty/business-services/)

### [Vouch](https://spot.insure/insurance-providers/vouch)

Vouch lists errors and omissions among the core coverages in its professional-services programs. [45](https://www.vouch.us/professional-services)

### [WithCoverage](https://spot.insure/insurance-providers/withcoverage)

WithCoverage includes errors and omissions in its technology insurance-program review services. [46](https://www.withcoverage.com/industries/tech)

## Sources

1. [FAQ: Professional liability insurance](https://www.tdi.texas.gov/commercial/pl-faq.html). Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
2. [Professional liability insurance](https://www.iii.org/article/professional-liability-insurance). Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
3. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
4. [Professional Liability – US Direct Errors and Omissions Insurance](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf). Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16.
5. [Lines of Insurance](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm). California Department of Insurance; Professional Liability Insurance paragraph (profession examples; wrongful acts; Errors & Omissions Insurance; Malpractice Insurance); Commercial General Liability five forms including products and completed operations. Accessed 2026-09-16.
6. [Do I need professional liability insurance?](https://www.iii.org/article/do-i-need-professional-liability-insurance) Insurance Information Institute; Professionals expected to meet standards of conduct; E&O name when liability is limited to negligence; specialty coverage not provided under homeowners endorsements, in-home business policies or BOPs. Accessed 2026-09-16.
7. [Alliance Products](https://joinalliancerisk.com/coverages/). Alliance Risk; Coverages product cards, from Accountant Professional Liability through Wrap-Up Insurance. Accessed 2026-09-16.
8. [Insurance For Startups](https://ameliarisk.com/specialties/startups/). Amelia Risk Insurance Brokers; Startup audience copy; Insurance policies for startups to consider: D&O, EPL, fiduciary, professional liability, cyber, BOP (property, general liability, hired and non-owned auto), umbrella, employee crime/fidelity, workers compensation. Accessed 2026-09-16.
9. [MPL Insurance: Coverage Highlights & Appetite](https://www.at-bay.com/insurance/mpl/). At-Bay; MPL Coverage Highlights; MPL Appetite; state restrictions. Accessed 2026-09-16.
10. [MediaTech for Small Businesses](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/). Beazley; Opening product description; What we offer: E&O (Tech and Professional), Media, Cyber coverage includes; How can we help; SME placement paragraph; Tools & Resources. Accessed 2026-09-16.
11. [Environmental Package Policy (BeazleyOne Environmental)](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy). Beazley; BeazleyOne environmental package: Key Coverages (General Liability, Professional Liability); Additional Coverages (Hired and Non-Owned Auto); Who we can help (environmental-service businesses). Accessed 2026-09-16.
12. [Professional liability](https://www.cfc.com/en-us/products/class/professional-liability/). CFC; Our professional liability products; Professional liability (admitted). Accessed 2026-09-16.
13. [Cyber Insurance Coverage & Products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). Chubb; Cyber insurance product catalog: Cyber ERM, DigiTech ERM (technology E&O, media and cyber) and Pro ERM (non-licensed professional services); Marketplace quoting for eligible risks under $100 million revenue; first- and third-party coverage summaries. Accessed 2026-09-16.
14. [Insurance For Software Product & System Developers](https://www.chubb.com/us-en/business-insurance/software-system-developers.html). Chubb; Property & casualty and financial-lines coverage solutions lists for software and systems developers. Accessed 2026-09-16.
15. [Miscellaneous Professional Liability](https://www.coalitioninc.com/insurance/miscellaneous-professional-liability-insurance). Coalition; Why Miscellaneous Professional Liability? (can be added to certain Active Cyber Insurance policies); MPL Advantage; Broker Benefits. Accessed 2026-09-16.
16. [Corgi Insurance homepage](https://www.corgi.insure). Corgi Insurance Services, Inc.; Product packages: Cyber and Directors & Officers; Growth Stage and Custom Package; Self-Serve (apply, get quoted in minutes, bind same-day) and Book a Demo paths; Explore Our Main Policies: Commercial General Liability, Crime Insurance, Fiduciary Liability, Hired and Non-Owned Auto (HNOA), Worker’s Compensation; Specialized coverages: Employment Practices Liability (EPLI), K&R (Kidnap & Ransom), Representations and Warranties; Commercial Umbrella Liability; Business Owners Policy (BOP); Coverage sales cards: Media Liability, Medical Malpractice, Miscellaneous E&O; Core Operations: Tech E&O Insurance; Tech & AI Liability product module; Transportation menu: Auto Liability, Contractual Liability Insurance - Cargo; FAQ on cost, claims, and binding; footer entity, program-administrator and issuing-carrier notices. Accessed 2026-09-16.
17. [Insurance for Small Businesses](https://coterieinsurance.com/insurance/). Coterie Insurance; General Liability, Business Owners Policies and Professional Liability sections: About business owners policies (BOP), About general liability (GL) policies (offered through partners), About professional liability (MPL) policies; Find an Agent; agent distribution; footer agency disclosure. Accessed 2026-09-16.
18. [Miscellaneous Professional Liability Policy Overview and Product Highlights](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/Current%20Appetite%20Content/Professional%20Liability%20Brochure_December2025.pdf). Coterie Insurance; Pages 1–7: purpose, eligible professions and operations, unavailable jurisdictions and state availability, limits, claims-made terms and exclusions. Accessed 2026-09-16.
19. [Coverage Hub](https://www.coverdash.com/coverage). Coverdash; Core Business: General Liability, Business Owner’s Policy, Commercial Property, Workers’ Comp; Professional & Management: Professional Liability, Tech E&O, Lawyers Professional Liability, Directors & Officers, Employment Practices, Fiduciary, Management Liability, Media Liability; Cyber & Crime: Cyber Insurance, Crime Coverage, Kidnap & Ransom; Property & Catastrophe: Builder’s Risk, Equipment Breakdown, Inland Marine; Auto & Transport: Commercial Auto, Motor Truck Cargo, Non-Trucking Liability, Ocean Marine; Excess & Specialty: Umbrella, Excess Liability, Product Liability, Product Recall, Liquor Liability, Surety Bond; Get a quote links. Accessed 2026-09-16.
20. [Business Insurance Coverage Options](https://www.embroker.com/coverage/). Embroker; Individual coverages: Business Owners Policy, Commercial Crime, Cyber, Directors & Officers, Employment Practices Liability, Fiduciary Liability, General Liability, Professional Liability (Errors and Omissions), Workers Compensation; Coverages navigation: Lawyers Professional Liability, Professional Liability, Tech Errors and Omissions; industry packages; invitation to seek other policies through Embroker; Get a Quote links. Accessed 2026-09-16.
21. [Lawyers Professional Liability — Broker Program](https://access.embroker.com/for-brokers/lawyers-professional-liability-program/). Embroker; Appetite: 1–25 attorneys, claims-free and no discipline; standalone lawyers professional liability program; Everest National; coverage highlights and defense cost features. Accessed 2026-09-16.
22. [Professional Liability Insurance](https://www.nextinsurance.com/professional-liability-insurance/). ERGO NEXT Insurance; Professional Liability insurance heading; What is Professional Liability insurance? (also called errors & omissions insurance); applicant categories; online process; Get Instant Quote; policy qualifications. Accessed 2026-09-16.
23. [Coverage](https://foundershield.com/coverage/). Founder Shield; Core Coverage: Crime Insurance, Cyber Liability, Directors & Officers, Employment Practices Liability, Fiduciary Liability, General Liability, Property Insurance; Specialized Coverage: Digital Asset Insurance, ERISA Fidelity Bond, Hired & Non-Owned Auto, Intellectual Property, Key Person & Contract Frustration, Last-Mile Delivery Insurance, Transit & Transportation; product cards: Errors & Omissions, Product Liability, Representations and Warranties, Umbrella Insurance, VCAP, Virtual Care & Telehealth Insurance, Workers Compensation; Health & Benefits: Employee Health & Benefits; Get a Quote and Learn More links. Accessed 2026-09-16.
24. [The Right Insurance for Your Small Business](https://www.gallaghersmallbusiness.com/insurance-products/). Gallagher Small Business; Choose Your Coverage: Business Owner’s Policy, General Liability, Professional Liability/Errors and Omissions, Buildings and Property, Auto, Workers’ Comp; carrier network placement; contact route. Accessed 2026-09-16.
25. [What We Cover](https://www.harperinsure.com/coverages). Harper; Coverage directory: Liquor Liability, Medical Malpractice, Product Liability, Professional Liability, Umbrella, Workers Compensation; intake What do you need covered?: Property and liability bundled together, Claims about my work or advice (professional liability), Tools and equipment that leave the shop (inland marine), Umbrella; broker footer. Accessed 2026-09-16.
26. [Small Business Insurance](https://www.heffins.com/business-insurance/small-business/). Heffernan Insurance Brokers; Tailor-Made Insurance for Small Businesses: sole proprietors to fast-growing companies; types of coverage we can provide (GL, WC, E&O, BOP, cyber); industry list including Technology. Accessed 2026-09-16.
27. [Professional Liability Insurance for Small Businesses](https://www.hiscox.com/small-business-insurance/professional-liability-insurance). Hiscox; Professional liability/E&O product; licensed in 49 states and Washington, D.C. (Alaska excluded); specialist-broker assistance if not licensed in a state; licensed-advisor hours. Accessed 2026-09-16.
28. [IT Professional & General Liability Insurance](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance). Hiscox; IT/technology professional audience; general liability, BOP, professional liability/E&O and cyber security descriptions for IT businesses; illustrative cyber breach-response example. Accessed 2026-09-16.
29. [Professional Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/). HUB International; Product page equating professional liability with errors and omissions and describing typical claim types. Accessed 2026-09-16.
30. [Errors and Omissions (E&O) Insurance Coverage](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/). HUB International; Industries listed for E&O including technology, and statement that policies are customized. Accessed 2026-09-16.
31. [Commercial Insurance Products](https://kinro.com/products). Kinro; Most common starting points (General Liability, Commercial Auto); 02 BOP / Package / Business Owner’s Policy; 03 WC / Employee coverage (state, payroll and class-code questions); 05 Trucking Insurance; 06 E&O / Advice and services / Professional Liability / E&O; 09 Umbrella / Excess Liability; Vehicles, property, and field operations (Commercial Property, Hired & Non-Owned Auto); Product 11: Tools & Equipment / Inland Marine; Professional, cyber, and leadership risk (Cyber Liability, Directors & Officers); How Kinro narrows it down: carrier fit. Accessed 2026-09-16.
32. [Professional Liability / E&O](https://kinro.com/products/professional-liability). Kinro; Product file; Common fit; Inputs carriers usually need, including services, client types, prior claims, retroactive dates and current coverage. Accessed 2026-09-16.
33. [Risk & People Solutions for Private Equity Firms](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms). Lockton; Lockton capabilities across the investment life cycle: D&O/GPL, transaction insurance (reps, tax, litigation), E&O, crime and FI bonds, cyber, EPL, surety, portfolio company programs, key person insurance and benefits design. Accessed 2026-09-16.
34. [Professional liability](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html). Marsh; What We Offer: design risk-transfer solutions; specialist industries including technology. Accessed 2026-09-16.
35. [Expert Executive and Professional Liability Insurance | MMA](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html). Marsh McLennan Agency; Executive and Professional Liability introduction; Our policies include (D&O, E&O, EPL, commercial crime/fidelity, cyber, fiduciary, media, IP, kidnap and ransom); D&O, Employment Practices Liability and cyber subsections. Accessed 2026-09-16.
36. [Professional Liability Insurance](https://choosemylo.com/business/product-professional-liability). Mylo; Professional Liability? But I Do Good Work (claims from clients unhappy with your work); Start My Quote; Mylo compares quotes from top-rated business insurance companies; related business-product navigation. Accessed 2026-09-16.
37. [Executive Risk](https://www.newfront.com/executive-risk). Newfront; Key Coverages to Protect Your Business: Directors and Officers (D&O) for private and public companies, Errors and Omissions (E&O), Employment Practices Liability Insurance (EPLI), Fiduciary, Fidelity and Crime, Kidnap & Ransom; Committed to Client Advocacy: integrated claims and coverage negotiation; Industry-Leading Technology; Executive Risk Solutions Practice Leader description of management liability lines; brokerage footer. Accessed 2026-09-16.
38. [Errors And Omissions Insurance](https://www.pieinsurance.com/errors-and-omissions-insurance). Pie Insurance; Errors and Omissions Insurance hero (E&O and professional liability equivalence); typical claims; Make sure you’re covered: insurance carrier partners, Start now; footer third-party professional liability insurers. Accessed 2026-09-16.
39. [Lines of Business](https://relminsurance.com/lines-of-business/). Relm Insurance; Financial Lines through Specialty Lines; individual offering lists. Accessed 2026-09-16.
40. [Startup Insurance | Coverage that clears the review](https://www.startupinsurance.ai/). StartupInsurance.ai; Hero; Coverage: What we place and The startup program; AI coverage that names AI; Physical risk, because AI outgrew software; The paperwork runs itself; carrier panel; Straight talk; footer agency and issuer disclosure. Accessed 2026-09-16.
41. [Small Business Insurance](https://www.techinsurance.com/small-business-insurance). TechInsurance; Top recommended small business insurance policies; Specialized coverage for unique risks. Accessed 2026-09-16.
42. [Professional Liability Insurance Coverage](https://www.thehartford.com/professional-liability-insurance). The Hartford; Who Needs Professional Liability Insurance Coverage?; industry offering list; miscellaneous professional liability; Errors & Omissions Insurance for Technology Companies; claims-made versus occurrence; My Account COI requests; last updated May 4, 2026. Accessed 2026-09-16.
43. [Errors and Omissions Insurance (E&O)](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions). Travelers; Professional E&O offerings including miscellaneous professional liability; independent-agent CTA. Accessed 2026-09-16.
44. [Business Services](https://www.usi.com/property-casualty/business-services/). USI Insurance Services; Listed coverage solutions including D&O, EPL, crime, fiduciary, E&O, cyber, kidnap and ransom, and claim advocacy. Accessed 2026-09-16.
45. [Insurance for Professional Services Firms](https://www.vouch.us/professional-services). Vouch; Core coverages for Professional Services: Errors & Omissions, General Liability, Cyber Liability, Employment Practices Liability, Workers’ Compensation; FAQ on common coverages. Accessed 2026-09-16.
46. [Technology Insurance & Risk Management](https://www.withcoverage.com/industries/tech). WithCoverage; Hero: E&O, cyber and D&O program exposure; policy-review request form; Have Questions?: program audit, broker change and assessment timing. Accessed 2026-09-16.

Updated 2026-09-16. Factually reviewed 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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