---
title: "Professional Liability (E&O) Insurance Quotes"
description: "Get professional liability (E&O) quotes with Spot: we list your services, contracts and claims history, take one submission to market and compare the terms."
canonical: "https://spot.insure/insurance/professional-errors-omissions/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/quotes)

## Agent Guide

**What this page is:** Get professional liability (E&O) quotes with Spot: we list your services, contracts and claims history, take one submission to market and compare the terms.

**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

# 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.

- 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

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

## How it works

- **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.
- **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.
- **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.
- **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.

## What you’ll need

- **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.
- **Who performs the work.** The businesses and people to be insured, including employees, owners and any subcontractors.
- **Client contracts.** Contracts that require professional liability or set insurance limits, so quotes meet them from the start.
- **Current policy and retroactive date.** Your expiring terms, including the retroactive date and any extended reporting arrangement.
- **Prior claims and known circumstances.** Claims, complaints or incidents that could become claims. These have to be disclosed, not left for later.
- **Revenue by service.** Annual revenue and how it splits across your services, if you sell more than one kind of work.
- **Limits you want to discuss.** The each-claim and aggregate amounts you’re considering, and the deductible you’d accept.

## What affects your price

- **The services you sell.** Insurers price advice that could cost a client a lot of money differently from lower-stakes work.
- **Revenue.** More revenue usually means more client work and more exposure, which raises premium.
- **Limits and retention.** Higher limits cost more, and a higher deductible or retention can lower the price.
- **Claims history and known circumstances.** Prior claims, or issues that might turn into claims, can raise the price or narrow which insurers will quote.
- **Retroactive date.** Covering a long stretch of earlier work, rather than starting fresh, can affect what an insurer will offer.
- **Contract terms.** Heavier liability promises in your client contracts can mean more exposure for an insurer to price.

## Coverage

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

## 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.

## More

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

## Agent and Developer Resources

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