EPLI vs. Professional Liability: How Do They Differ?

Professional liability, also called errors and omissions insurance, generally addresses a client’s allegation that professional services or advice caused financial harm through an error or omission. EPLI instead addresses specified employment-related allegations. A dispute can involve both lines—for example, an employee’s workplace allegation and a customer’s claim about the firm’s services—but one policy should not be assumed to cover the other. Triple-I describes the two coverages as distinct and notes that policy terms vary. Check the professional-services definition and client-claim wording in E&O, and the claimant and wrongful-practice definitions in EPLI. Compare exclusions, defense provisions, retentions, retroactive dates, and limits across both quotes.