---
title: "Compare Professional Liability Insurance Quotes"
description: "Compare professional liability (E&O) quotes with Spot: claims-made timing, retroactive date, scheduled services, defense terms and exclusions across proposals."
canonical: "https://spot.insure/insurance/professional-errors-omissions/compare-quotes"
page-type: "product"
entities: ["Spot"]
entity: "Spot"
page-role: "product"
---

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, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability 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/professional-errors-omissions/compare-quotes)

## Agent Guide

**What this page is:** Compare professional liability (E&O) quotes with Spot: claims-made timing, retroactive date, scheduled services, defense terms and exclusions across proposals.

**Limits (do not over-claim):**
- Describes Spot's own service; it does not establish coverage terms or outcomes for any company.

**Related pages:**
- [Spot home](https://spot.insure/) — product overview
- [Sitemap](https://spot.insure/sitemap) — inventory of all public pages

# Compare professional liability insurance quotes with Spot

Claims-made timing, scheduled services and defense terms vary more than price does, so Spot puts them next to each other for you.

- Claims-made timing and retroactive dates side by side
- Scheduled services checked against what you actually sell
- Keep your broker or switch, with no commissions on premiums

[Get Started](https://app.spot.insure/signup?intent=comparison&coverage=professional-errors-omissions&icp=professional-services)

## How it works

- **Share the quotes and your current policy.** Send proposals and your expiring professional liability policy. The current retroactive date is the baseline everything else is measured from.
- **We line up timing and services.** Spot compares whether each quote is claims-made, its retroactive date, and which services and people it schedules against what you sell.
- **Raise your open questions.** Ask your Spot team how a quote treats earlier work, known circumstances or a client’s contract. They take the answer back from the broker.
- **Choose and bind.** Pick the quote that keeps earlier work covered and fits your client contracts. Your Spot team helps you bind and sends proof of coverage when a client asks.

## What to compare

- **Claims-made or occurrence.** When a claim must be made and reported, and whether an occurrence form is offered instead.
- **Retroactive date.** Whether work you did before the policy starts is covered. A new start date alone doesn’t carry your history forward.
- **Extended reporting period.** Time to report later claims about earlier work if you change insurers or stop buying the coverage.
- **Scheduled professional services.** The work named in the quote. It should match what you sell and the people who perform it.
- **Defense and settlement terms.** Whether the insurer has a duty to defend, whether defense costs reduce the limit and what consent to settle requires.
- **Limits and retention.** The each-claim limit, the aggregate and the deductible or retention.
- **Exclusions.** How bodily injury, property damage, dishonest acts, intellectual-property claims and confidential-information failures are handled.

## Differences to watch for

- **A retroactive date that resets.** Switching insurers can move the date forward and leave earlier work uncovered unless you check it.
- **Services described too narrowly.** A quote that schedules only part of what you sell may not respond to a claim about the rest.
- **Known circumstances.** Matters you know about but haven’t reported may need disclosing. Sorting that out before you bind avoids disputes later.
- **Technology work inside a professional form.** If you also deliver software or hosted services, ask whether the quote includes a technology E&O form.

## Coverage

- [Professional errors and omissions (E&O)](https://spot.insure/insurance/professional-errors-omissions/quotes)

## Common questions

### What is the retroactive date and why compare it?

It decides which earlier work a claims-made policy can cover. A later date on a new quote can leave past work unprotected.

### Can Spot check a client’s contract against each quote?

Yes. Send the insurance clause and Spot compares it with each proposal’s limits and terms.

### Do I need to leave my broker to compare through Spot?

No. Spot sits alongside your broker and takes no commissions on premiums. You can switch brokers if you ever want to.

### What happens to older work if I switch insurers?

Ask each quote about the retroactive date and extended reporting. Spot highlights both so earlier work isn’t overlooked.

## More

- [Compare quotes](https://spot.insure/compare-insurance-quotes)

## Agent and Developer Resources

- [Markdown page](https://spot.insure/insurance/professional-errors-omissions/compare-quotes.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)