Describe the services you sell
Tell us what clients pay you for, who does the work and which contracts ask for proof of insurance. Your Spot team asks about any service you’ve added recently.
Juniper ConsultingOrganized by Spot
Professional Liability (E&O) Insurance Quotes
Get professional liability insurance quotes with Spot
Tell us the services you sell and who performs them, and your Spot team prepares a submission that brokers can take to E&O insurers.
Get quotes from 45+ professional liability insurance providers
- Every service you sell listed, so the quote schedules what you do
- Retroactive date and reporting terms compared before you switch
- Keep your broker or switch, with no commissions on premiums
How it works
We gather your history
Spot collects your current policy, its retroactive date and any prior claims or known circumstances, so the submission is accurate about earlier work.
Professional errors and omissions (E&O) insurance
Juniper Consulting · Policy review
- Policy wording
- Coverage limits
- Compare with
- Contract requirements
Confirm with your broker
Limits, exclusions, and endorsements
Brokers take it to market
We work with brokers to bring your submission to insurers that write your kind of professional work, and answer their follow-up questions.
# spot-support
SamJuniper Consulting
What do we need to request professional errors and omissions (e&o) insurance quotes?
RileySpot
Let’s prepare the information for your broker and compare the terms, not just the price.
Compare timing and defense terms
Each proposal’s claims-made timing, retroactive date, limits and defense-cost treatment sit side by side before you bind.
Insurance documents
Quote requestProfessional errors and omissions (E&O) insurance
Professional services · Claims-made terms
Juniper Consulting
What you’ll need
- 01
Services you sell
A complete description of the advice or services clients pay for. The quote schedules the work it names, so anything left out may not be covered.
- 02
Who performs the work
The businesses and people to be insured, including employees, owners and any subcontractors.
- 03
Client contracts
Contracts that require professional liability or set insurance limits, so quotes meet them from the start.
- 04
Current policy and retroactive date
Your expiring terms, including the retroactive date and any extended reporting arrangement.
- 05
Prior claims and known circumstances
Claims, complaints or incidents that could become claims. These have to be disclosed, not left for later.
- 06
Revenue by service
Annual revenue and how it splits across your services, if you sell more than one kind of work.
- 07
Limits you want to discuss
The each-claim and aggregate amounts you’re considering, and the deductible you’d accept.
What affects your price
- 01
The services you sell
Insurers price advice that could cost a client a lot of money differently from lower-stakes work.
- 02
Revenue
More revenue usually means more client work and more exposure, which raises premium.
- 03
Limits and retention
Higher limits cost more, and a higher deductible or retention can lower the price.
- 04
Claims history and known circumstances
Prior claims, or issues that might turn into claims, can raise the price or narrow which insurers will quote.
- 05
Retroactive date
Covering a long stretch of earlier work, rather than starting fresh, can affect what an insurer will offer.
- 06
Contract terms
Heavier liability promises in your client contracts can mean more exposure for an insurer to price.
Providers your broker can approach
Get quotes from 45+ professional liability insurance providers.
- AIG
- Alliance Risk
- Amelia Risk
- Aon
- At-Bay
- Beazley
- Berkshire Hathaway Specialty Insurance
- And many more
Common questions
Is professional liability included in a business owner’s policy?
Not automatically. Your Spot team checks whether a proposal includes it, adds it or quotes it separately.
Do I need professional E&O if I have general liability?
They cover different things. General liability addresses injury and property damage; professional E&O addresses a client saying your advice or service cost them money.
Will a new policy cover work I did before it started?
It may, depending on the retroactive date and reporting terms. Disclose known circumstances and compare the dates with your current policy before you switch.
Do I need to change brokers to use Spot?
No. Your broker can take the submission we prepare to E&O insurers, and Spot takes no commissions on premiums. Switching is your choice, not a requirement.
Related
Get insurance off your to-do list.
Tell us the services you sell and who performs them, and your Spot team prepares a submission that brokers can take to E&O insurers.
Get StartedLearn more before you get quotes
Read these before you choose a policy or an insurer.
