Professional Liability vs E&O: Are They Different?
Professional liability and E&O usually name the same broad coverage; the policy form and listed services determine what you actually buy.
Texas DOI and III use E&O as another name for professional liability, while California DOI groups specialty forms such as medical malpractice under professional coverage. The label alone does not show whether two policies cover the same work.
Compare scheduled services, insureds, retroactive dates, exclusions, reporting rules, defense-cost treatment, and limits. Review full forms and endorsements for each quote.
