--- title: "The Hartford Professional Liability (E&O) Insurance" description: "What The Hartford Professional Liability (E&O) Insurance covers, who it’s for, and its limits and retentions, cited to The Hartford’s own published sources." canonical: "https://spot.insure/insurance-providers/the-hartford/professional-errors-omissions" page-type: "offering-page" updated-at: "2026-09-23" --- 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-providers/the-hartford/professional-errors-omissions) # The Hartford Professional Liability (E&O) Insurance The Hartford Professional Liability Insurance (Errors & Omissions) 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") (Evidence: Company-reported; scope: Professional liability product page as read 2026-09-23.) ## Who It’s 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") (Evidence: Company-reported; scope: Professional liability product page as read 2026-09-23.) ## 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") (Evidence: Company-reported; scope: Professional liability product page as read 2026-09-23. General coverage and policy-form description; the issued policy controls.) ## 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") (Evidence: Company-reported; scope: Company-reported pricing as of 2026-09-23 (page last updated by The Hartford May 4, 2026); premiums are not coverage limits.) ## The Hartford Professional Liability (E&O) Insurance Compared - [The Hartford vs Alliance Risk](https://spot.insure/compare/alliance-risk-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 Beazley](https://spot.insure/compare/beazley-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 Coalition](https://spot.insure/compare/coalition-vs-the-hartford/professional-errors-omissions) ## Other The Hartford Coverage Lines - [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 Cyber Insurance](https://spot.insure/insurance-providers/the-hartford/cyber) - [The Hartford Employment Practices Liability Insurance](https://spot.insure/insurance-providers/the-hartford/employment-practices) - [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 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) ## Related - [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 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. 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). 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