---
title: "What Doesn’t Professional Liability Cover?"
description: "IT consultants may need E&O for claims that advice, configuration, implementation, or other technology services caused financial loss."
canonical: "https://spot.insure/insurance-faq/professional-liability/what-doesnt-professional-liability-cover"
page-type: "faq-question"
updated-at: "2026-09-25"
---

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, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/insurance-faq/professional-liability/what-doesnt-professional-liability-cover)

# What Doesn’t Professional Liability Cover?

IT consultants may need E&O for claims that advice, configuration, implementation, or other technology services caused financial loss.

IT consulting can include recommendations, security work, integration, data migration, and configuration. Texas DOI and III identify IT consulting as a professional-service exposure; your policy should match the work you perform.

Describe hands-on work, subcontractors, client-system access, and personal data. Check service schedules, contract and security exclusions, retroactive date, reporting rules, and whether separate cyber coverage is needed.

## Related Questions

- [Does Professional Liability Cover Negligence?](https://spot.insure/insurance-faq/professional-liability/does-professional-liability-cover-negligence)
- [Does Professional Liability Cover Mistakes?](https://spot.insure/insurance-faq/professional-liability/does-professional-liability-cover-mistakes)
- [Does Professional Liability Cover Bad Advice?](https://spot.insure/insurance-faq/professional-liability/does-professional-liability-cover-bad-advice)
- [Does Professional Liability Cover Breach of Contract?](https://spot.insure/insurance-faq/professional-liability/does-professional-liability-cover-breach-of-contract)

## 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. [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. [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.

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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/insurance-faq/professional-liability/what-doesnt-professional-liability-cover.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)