Embroker Professional Liability (E&O) Insurance

Embroker markets the policy to anyone who provides professional advice or services for a fee, listing accountants, bookkeepers, consultants, real estate agents, home inspectors, and IT and healthcare professionals as example buyers, while noting lawyers and doctors typically use specialized malpractice coverage instead. ¹Company-reported. Product-page eligibility and industry-example sections; not a guarantee of coverage for a particular business.

Embroker lists coverage for claims of errors, omissions or negligence, failing to meet expected standards or deadlines, false or misleading statements, breach of contractual obligations, and attorney fees from covered claims. ¹Company-reported. Product-page What's covered section; the issued policy and declarations control.

Embroker says the policy does not cover personal injury or property damage (handled by general liability), cyberattacks and data breaches (some tech E&O policies offer limited cyber coverage, but full protection needs a separate cyber policy), employee injuries, or employee discrimination claims (handled by EPLI). ¹Company-reported. Product-page What's not included and 'Do I need Professional Liability insurance if I already have General Liability coverage?' sections.

Embroker says the policy carries a deductible, that a higher deductible generally lowers the premium, and that buyers can choose an aggregate (once-annually capped) deductible or a first-dollar-defense option that applies the deductible only to damages, not legal costs. ¹Company-reported. Product-page 'Does it have a deductible?' section; specific dollar limits and deductible amounts are not published and depend on underwriting.

Embroker offers an online quote for professional liability through its digital platform, describing underwriting factors including business size, industry risk, location and claims history. ¹Company-reported. Product-page 'Quick quotes' feature and cost-factor list; no quote was requested during this research.