---
title: "E&O vs D&O Insurance: How Do They Differ?"
description: "E&O covers claims tied to professional services; D&O covers claims against leaders for their director or officer roles."
canonical: "https://spot.insure/insurance-faq/professional-liability/eo-vs-do"
page-type: "faq-question"
updated-at: "2026-09-25"
---

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# E&O vs D&O Insurance: How Do They Differ?

E&O covers claims tied to professional services; D&O covers claims against leaders for their director or officer roles.

A dispute can name both a consultant and a board member, but the policies have different insureds and triggers.

Compare insured-person definitions, entity coverage, capacity language, exclusions, and defense costs. Share bylaws, indemnification terms, and client contracts with the broker.

## Related Questions

- [Tech E&O vs Cyber Insurance: What’s the Difference?](https://spot.insure/insurance-faq/professional-liability/tech-eo-vs-cyber)
- [Tech E&O vs Professional Liability: Is There a Difference?](https://spot.insure/insurance-faq/professional-liability/tech-eo-vs-professional-liability)
- [Tech E&O vs Product Liability: Which Applies to Software?](https://spot.insure/insurance-faq/professional-liability/tech-eo-vs-product-liability)
- [Does Tech E&O Cover Software Bugs?](https://spot.insure/insurance-faq/professional-liability/does-tech-eo-cover-software-bugs)

## Related Coverage

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

## Sources

1. [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 2026-09-25.
2. [Directors and Officers insurance](https://www.iii.org/article/directors-and-officers-insurance). Insurance Information Institute; What D&O covers; What’s excluded?. 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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