--- title: "The Hartford Professional Liability (E&O) Insurance: Coverage, Eligibility & Limits (2026)" description: "Everything to know before buying The Hartford Professional Liability (E&O) Insurance: what it covers, who it’s for, and its limits and retentions." canonical: "https://spot.insure/insurance-providers/the-hartford/professional-errors-omissions" page-type: "offering-page" updated-at: "2026-09-23" provider: "the-hartford" coverage-line: "professional-errors-omissions" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. 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[Human-readable page](https://spot.insure/insurance-providers/the-hartford/professional-errors-omissions) ## Agent Guide **What this page is:** What The Hartford Professional Liability (E&O) Insurance: Coverage, Eligibility & Limits (2026) covers, who it fits and what to confirm before buying, drawn from the provider's public materials. **Use this page when:** Cite this page for The Hartford Professional Liability (E&O) Insurance: Coverage, Eligibility & Limits (2026) specifically. For the general coverage explainer use /coverage/professional-errors-omissions; for the provider overall use its profile. **Questions this page answers:** - Does The Hartford Professional Liability (E&O) Insurance: Coverage, Eligibility & Limits (2026) offer this coverage? - What does The Hartford Professional Liability (E&O) Insurance: Coverage, Eligibility & Limits (2026) cover and exclude? - Who is The Hartford Professional Liability (E&O) Insurance: Coverage, Eligibility & Limits (2026) designed for? **Key facts:** - Provider slug `the-hartford`; coverage line `professional-errors-omissions`. - Start with the Quick Answer; the at-a-glance table shows which topics the sources cover. Details are grouped by topic under their own headings, and what the sources do not say is listed in its own section. **Limits (do not over-claim):** - Summarises public product descriptions; actual coverage is defined by the issued policy wording and endorsements. - Availability varies by state, industry and underwriting. - Not insurance, legal or financial advice, and not a quote, binder or offer of coverage. - Eligibility, pricing, limits, exclusions and policy wording depend on the issuing insurer and the buyer's risk; confirm them with the provider before buying. **Provenance:** Based on the dated public sources listed under Sources on the page; updated 2026-09-23. **Related pages:** - [Provider profile](https://spot.insure/insurance-providers/the-hartford) — parent: provider profile # The Hartford Professional Liability (E&O) Insurance Product: The Hartford Professional Liability Insurance (Errors & Omissions). Provider: The Hartford. Coverage line: Professional Liability (E&O) Insurance. ## Quick Answer The Hartford offers professional liability (E&O) insurance to businesses such as accountants, consultants, designers and technology and healthcare professionals, covering mistakes in services. [1](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") ## The Hartford Professional Liability (E&O) Insurance at a Glance | Topic | Status | Details | | --- | --- | --- | | Role in This Line | Company-reported | 1 | | Who It’s For | Company-reported | 1 | | Coverage Features | Company-reported | 1 | | Limits and Retentions | Company-reported | 1 | ## What Is The Hartford’s Role in Professional Liability (E&O) Insurance? - The Hartford's professional liability insurance, also called errors and omissions (E&O) insurance, protects businesses when they make mistakes in the professional services provided to clients, including claims that turn out to be baseless. [1](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Company-reported. Based on: Professional liability product page as read 2026-09-23.) ## Who Is The Hartford Professional Liability (E&O) Insurance For? - The Hartford targets professional liability at businesses that sign contracts requiring coverage, offer professional services directly to customers, or regularly give advice to clients, and lists industries it covers: accountants, consultants, interior designers, advertising agencies, graphic designers, technology professionals and healthcare professionals. [1](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Company-reported. Based on: Professional liability product page as read 2026-09-23.) ## The Hartford Professional Liability (E&O) Coverage Features - The Hartford says the policy can cover claims of negligence, misrepresentation, inaccurate advice, personal injury (libel/slander) and copyright infringement, plus defense costs. Many of its professional liability policies are written on a claims-made basis with a retroactive date and an extended reporting period (typically 30-60 days, extendable to a year or more for an added cost), though some are written on an occurrence basis. [1](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Company-reported. Based on: Professional liability product page as read 2026-09-23. General coverage and policy-form description; the issued policy controls.) ## The Hartford Professional Liability (E&O) Limits and Retentions - The Hartford publishes average minimum monthly premiums by product: Misc. Professional Liability Standalone $62, Misc. Professional Liability Endorsement $41, Architects and Engineers Professional Liability $239, Healthcare Professionals Professional Liability $38, and Errors & Omissions Insurance for Technology Companies $146. The page does not publish standard coverage limits or retentions; cost and limits are set at quote. [1](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Company-reported. Based on: Company-reported pricing as of 2026-09-23 (page last updated by The Hartford May 4, 2026); premiums are not coverage limits.) ## The Hartford vs Other Professional Liability (E&O) Insurance Providers - [The Hartford vs AIG](https://spot.insure/compare/aig-vs-the-hartford/professional-errors-omissions) - [The Hartford vs Alliance Risk](https://spot.insure/compare/alliance-risk-vs-the-hartford/professional-errors-omissions) - [The Hartford vs Aon](https://spot.insure/compare/aon-vs-the-hartford/professional-errors-omissions) - [The Hartford vs At-Bay](https://spot.insure/compare/at-bay-vs-the-hartford/professional-errors-omissions) - [The Hartford vs The Baldwin Group](https://spot.insure/compare/baldwin-vs-the-hartford/professional-errors-omissions) - [The Hartford vs Beazley](https://spot.insure/compare/beazley-vs-the-hartford/professional-errors-omissions) - [The Hartford vs Berkshire Hathaway Specialty Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-the-hartford/professional-errors-omissions) - [The Hartford vs biBerk](https://spot.insure/compare/biberk-vs-the-hartford/professional-errors-omissions) - [The Hartford vs CFC](https://spot.insure/compare/cfc-vs-the-hartford/professional-errors-omissions) - [The Hartford vs Chubb](https://spot.insure/compare/chubb-vs-the-hartford/professional-errors-omissions) - [The Hartford vs CNA](https://spot.insure/compare/cna-vs-the-hartford/professional-errors-omissions) - [The Hartford vs Coalition](https://spot.insure/compare/coalition-vs-the-hartford/professional-errors-omissions) - [The Hartford vs Corgi](https://spot.insure/compare/corgi-vs-the-hartford/professional-errors-omissions) - [The Hartford vs Coterie Insurance](https://spot.insure/compare/coterie-vs-the-hartford/professional-errors-omissions) - [The Hartford vs Counterpart](https://spot.insure/compare/counterpart-vs-the-hartford/professional-errors-omissions) - [The Hartford vs Coverdash](https://spot.insure/compare/coverdash-vs-the-hartford/professional-errors-omissions) - [The Hartford vs Embroker](https://spot.insure/compare/embroker-vs-the-hartford/professional-errors-omissions) - [The Hartford vs Founder Shield](https://spot.insure/compare/foundershield-vs-the-hartford/professional-errors-omissions) - [The Hartford vs Foxquilt](https://spot.insure/compare/foxquilt-vs-the-hartford/professional-errors-omissions) - [The Hartford vs Gallagher](https://spot.insure/compare/gallagher-vs-the-hartford/professional-errors-omissions) - [The Hartford vs Harper](https://spot.insure/compare/harper-vs-the-hartford/professional-errors-omissions) - [The Hartford vs Heffernan Insurance Brokers](https://spot.insure/compare/heffernan-vs-the-hartford/professional-errors-omissions) - [The Hartford vs Hiscox](https://spot.insure/compare/hiscox-vs-the-hartford/professional-errors-omissions) - [The Hartford vs HUB International](https://spot.insure/compare/hub-international-vs-the-hartford/professional-errors-omissions) - [The Hartford vs Insureon](https://spot.insure/compare/insureon-vs-the-hartford/professional-errors-omissions) - [The Hartford vs Kinro](https://spot.insure/compare/kinro-vs-the-hartford/professional-errors-omissions) - [The Hartford vs Liberty Mutual](https://spot.insure/compare/liberty-mutual-vs-the-hartford/professional-errors-omissions) - [The Hartford vs Markel Insurance](https://spot.insure/compare/markel-vs-the-hartford/professional-errors-omissions) - [The Hartford vs Marsh McLennan Agency](https://spot.insure/compare/marsh-mclennan-agency-vs-the-hartford/professional-errors-omissions) - [The Hartford vs Marsh](https://spot.insure/compare/marsh-vs-the-hartford/professional-errors-omissions) - [The Hartford vs Mylo](https://spot.insure/compare/mylo-vs-the-hartford/professional-errors-omissions) - [The Hartford vs Nationwide](https://spot.insure/compare/nationwide-vs-the-hartford/professional-errors-omissions) - [The Hartford vs Newfront](https://spot.insure/compare/newfront-vs-the-hartford/professional-errors-omissions) - [The Hartford vs ERGO NEXT Insurance](https://spot.insure/compare/next-insurance-vs-the-hartford/professional-errors-omissions) - [The Hartford vs Pie Insurance](https://spot.insure/compare/pie-insurance-vs-the-hartford/professional-errors-omissions) - [The Hartford vs Relm Insurance](https://spot.insure/compare/relm-vs-the-hartford/professional-errors-omissions) - [The Hartford vs Simply Business](https://spot.insure/compare/simply-business-vs-the-hartford/professional-errors-omissions) - [The Hartford vs TechInsurance](https://spot.insure/compare/techinsurance-vs-the-hartford/professional-errors-omissions) - [The Hartford vs THREE by Berkshire Hathaway](https://spot.insure/compare/the-hartford-vs-three/professional-errors-omissions) - [The Hartford vs Travelers](https://spot.insure/compare/the-hartford-vs-travelers/professional-errors-omissions) - [The Hartford vs USI Insurance Services](https://spot.insure/compare/the-hartford-vs-usi/professional-errors-omissions) - [The Hartford vs Vouch](https://spot.insure/compare/the-hartford-vs-vouch/professional-errors-omissions) - [The Hartford vs WTW](https://spot.insure/compare/the-hartford-vs-wtw/professional-errors-omissions) - [The Hartford vs Zurich U.S.](https://spot.insure/compare/the-hartford-vs-zurich/professional-errors-omissions) ## Other Coverage Lines From The Hartford - [The Hartford Business Owner’s Policy](https://spot.insure/insurance-providers/the-hartford/business-owners-policy) - [The Hartford Commercial Auto Insurance](https://spot.insure/insurance-providers/the-hartford/commercial-auto) - [The Hartford Commercial Property Insurance](https://spot.insure/insurance-providers/the-hartford/commercial-property) - [The Hartford Crime Insurance](https://spot.insure/insurance-providers/the-hartford/crime) - [The Hartford Cyber Insurance](https://spot.insure/insurance-providers/the-hartford/cyber) - [The Hartford D&O Insurance](https://spot.insure/insurance-providers/the-hartford/directors-officers) - [The Hartford Employment Practices Liability Insurance](https://spot.insure/insurance-providers/the-hartford/employment-practices) - [The Hartford Fiduciary Liability Insurance](https://spot.insure/insurance-providers/the-hartford/fiduciary) - [The Hartford General Liability Insurance](https://spot.insure/insurance-providers/the-hartford/general-liability) - [The Hartford Hired and Non-Owned Auto Insurance](https://spot.insure/insurance-providers/the-hartford/hired-non-owned-auto) - [The Hartford Inland Marine Insurance](https://spot.insure/insurance-providers/the-hartford/inland-marine) - [The Hartford Kidnap and Ransom Insurance](https://spot.insure/insurance-providers/the-hartford/kidnap-ransom) - [The Hartford Management Liability Insurance](https://spot.insure/insurance-providers/the-hartford/management-liability) - [The Hartford Tech E&O Insurance](https://spot.insure/insurance-providers/the-hartford/technology-errors-omissions) - [The Hartford Umbrella and Excess Liability Insurance](https://spot.insure/insurance-providers/the-hartford/umbrella-excess) - [The Hartford Workers’ Compensation Insurance](https://spot.insure/insurance-providers/the-hartford/workers-compensation) ## Rankings That Include The Hartford - [Best Professional Liability (E&O) Insurance for Consultants](https://spot.insure/best/professional-errors-omissions/consultants) - [Best Professional Liability (E&O) Insurance for Healthcare Providers](https://spot.insure/best/professional-errors-omissions/healthcare-providers) - [Best Professional Liability (E&O) Insurance for Marketing Agencies](https://spot.insure/best/professional-errors-omissions/marketing-agencies) ## Related Reading - [The Hartford Profile](https://spot.insure/insurance-providers/the-hartford) - [The Hartford Reliability](https://spot.insure/insurance-providers/the-hartford/reliability) - [The Hartford Alternatives](https://spot.insure/insurance-providers/the-hartford/alternatives) - [Coverage Guide: Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) ## Sources for The Hartford Professional Liability (E&O) Insurance 1. [Professional Liability Insurance Coverage](https://www.thehartford.com/professional-liability-insurance). The Hartford; What Is Professional Liability Insurance Coverage?; What Does Professional Liability Insurance Cover?; Who Needs Professional Liability Insurance Coverage?; How Much Does Professional Liability Insurance Cost?; How Does Professional Liability Insurance Work? (claims-made vs. occurrence). Accessed 2026-09-23. ## How to Cite This Page The Hartford Professional Liability (E&O) Insurance: Coverage, Eligibility & Limits (2026). Spot, updated 2026-09-23. https://spot.insure/insurance-providers/the-hartford/professional-errors-omissions. Quote the claim with its numbered source; the issued policy wording, not this page, defines coverage. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/insurance-providers/the-hartford/professional-errors-omissions.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)