---
title: "Does Professional Liability Cover Breach of Contract?"
description: "Sometimes, for covered professional negligence; a promise or guarantee assumed only by contract may be excluded."
canonical: "https://spot.insure/insurance-faq/professional-liability/does-professional-liability-cover-breach-of-contract"
page-type: "faq-question"
updated-at: "2026-09-25"
---

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# Does Professional Liability Cover Breach of Contract?

Sometimes, for covered professional negligence; a promise or guarantee assumed only by contract may be excluded.

A client may allege both breach of contract and negligent services, and those theories can receive different treatment under E&O. The sample Hiscox form excludes some liability assumed only by contract, while The Hartford says many E&O policies exclude contract breaches.

Compare the policy’s contract and warranty exclusions with your indemnity, service-level, and guarantee clauses. Ask how defense and damages apply to a sample contract; a certificate does not amend the wording.

## Related Questions

- [Does Professional Liability Cover Missed Deadlines?](https://spot.insure/insurance-faq/professional-liability/does-professional-liability-cover-missed-deadlines)
- [Does Professional Liability Cover Financial Loss?](https://spot.insure/insurance-faq/professional-liability/does-professional-liability-cover-financial-loss)
- [Does Professional Liability Cover Bodily Injury?](https://spot.insure/insurance-faq/professional-liability/does-professional-liability-cover-bodily-injury)
- [Does Professional Liability Cover Property Damage?](https://spot.insure/insurance-faq/professional-liability/does-professional-liability-cover-property-damage)

## Related Coverage

- [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions)
- [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions)

## 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 2026-09-25.
2. [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 2026-09-25.
3. [Technology Errors and Omissions Insurance](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). The Hartford; What Is Technology Errors and Omissions Insurance?; Coverage; Works With Contracts; Types of Companies That Need Tech E&O Insurance. Accessed 2026-09-25.

More answers: [Professional Liability, E&O and Tech E&O FAQ](https://spot.insure/insurance-faq/professional-liability).

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