ERGO NEXT Insurance Professional Liability (E&O) Insurance

ERGO NEXT sells professional liability, which it also calls errors and omissions insurance, as a standalone online policy. ¹Company-reportedProfessional liability product page as read 2026-09-23.

The professional liability page does not name an issuing insurer for this line; the carrier for a specific policy is confirmed on the quote and declarations. ¹Not found in reviewed sourcesChecked the professional liability product page on 2026-09-23.

ERGO NEXT targets this line at offices and professionals, construction, food and beverage, and retail and e-commerce businesses, naming business consultants, accountants, financial professionals, engineers and architects as example professions. ¹Company-reportedProduct page industry and profession list; not a complete underwriting appetite by state.

ERGO NEXT says the policy addresses business errors that cost clients money, claims of professional negligence, misrepresentation causing financial harm, and legal defense costs. ¹Company-reportedProduct page coverage description; the issued policy and its exclusions control an actual claim.

ERGO NEXT lists the policy as excluding intentional wrongdoing and illegal activity, property damage or bodily injury (covered by general liability instead), false advertising, employee work injuries and vehicle accidents. ¹Company-reportedProduct page exclusions summary.

Published coverage limits or deductibles were not found on the professional liability product page; only illustrative starting pricing is shown, and the page notes an up to 10% discount for bundling with an existing ERGO NEXT policy. ¹Not publicly disclosedChecked the professional liability product page on 2026-09-23.

ERGO NEXT says employees are covered under the policy by default, subcontractors typically are not, prior-acts coverage is available in select cases, and additional-insured designations are permitted. ¹Company-reportedProduct page policy-structure notes.

ERGO NEXT describes a roughly 10-minute online quote, coverage customization, and a fully online purchase with an instantly available certificate of insurance. ¹Company-reportedProduct page quote-flow description.