---
title: "Professional Liability (E&O) Insurance"
description: "Buy professional liability (E&O) with Spot: a prepared submission, proposals compared on scheduled services, claims-made terms and defense, and certificates handled."
canonical: "https://spot.insure/insurance/professional-errors-omissions"
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)

## Agent Guide

**What this page is:** Buy professional liability (E&O) with Spot: a prepared submission, proposals compared on scheduled services, claims-made terms and defense, and certificates handled.

**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

# Spot for Professional Liability (E&O) Insurance

Get quotes from professional liability insurance providers with Spot.

We get your professional liability quotes, help you buy before a client contract requires it and send proof of coverage when they ask.

- Scheduled services, retroactive date and tail terms compared
- Client contract insurance requirements checked against the policy
- Keep your broker or switch, with no commissions on premiums

[Get Started](https://app.spot.insure/signup?coverage=professional-errors-omissions). Spot is not an insurance carrier and takes no commissions on premiums; you can keep your broker or switch.

## How Spot helps

1. **Describe the services you sell.** Your Spot team collects what you deliver, who performs it, the clients and contracts that require proof of insurance, your prior claims and known circumstances, and your current retroactive date.
2. **Check which services each quote covers.** We work with brokers to take your submission to market, then show which services and people each proposal actually schedules, so “E&O” on the quote doesn’t hide a form that skips your work.
3. **Check a client contract before you sign.** Send the engagement letter or master agreement. Spot checks its insurance requirements against the policy and flags anything that needs a different limit or wording before you sign.
4. **Get a certificate when a client asks.** When a client asks for a certificate, message your shared Slack channel and your Spot team gets it ready. Your policy, retroactive date and renewal stay in one place.

## Who we help

- **Consultants and agencies.** Your product is advice and execution, so a client’s claim about a bad outcome is the risk that matters most.
- **Service businesses signing client contracts.** Clients may require proof of professional liability before they’ll sign or pay.
- **Firms that rely on a business owner’s policy.** Don’t assume your BOP includes professional liability. Check it, and buy a separate policy if it doesn’t.
- **Practices switching insurers.** Claims-made coverage depends on your retroactive date and any extended reporting, so changing insurers needs a plan.

## When to get this coverage

- **A client contract names professional liability.** Check the required wording against the policy before you sign, while there’s still time to adjust either one.
- **You added a new service line.** Coverage follows scheduled services. Confirm the new work is on the policy before you start billing for it.
- **You’re moving your E&O to a new insurer.** Bring your retroactive date and any extended reporting arrangement, and disclose known circumstances that could turn into claims.
- **You’re winding down or leaving a practice.** Ask about an extended reporting period for later claims arising from earlier work.
- **Your E&O renewal is approaching.** Compare the each-claim limit, the aggregate and the deductible, and ask whether defense costs reduce what’s left.

## Common questions

Also known as professional liability insurance, errors and omissions insurance, E&O insurance and professional indemnity insurance.

### Our broker has handled our E&O for years. Do we start over with Spot?

No. Spot works with that broker, building the submission from your current terms and retroactive date, and takes no commissions on premiums. Switching to a broker with more clients in your profession is also an option.

### Is E&O insurance the same as professional liability insurance?

Often, yes. The names are used for the same kind of coverage for professional services, and outside the US it’s often called professional indemnity. Check which services and which people the quote schedules.

### Does general liability or a BOP cover this?

Don’t count on it. General liability is built around bodily injury and property damage, and a business owner’s policy may not include professional liability. Spot checks what you hold and whether you need a separate policy.

### Is this the same as technology E&O or medical malpractice?

Not necessarily. Technology work may use a separate technology E&O form, and medical malpractice is a specialized health care product. Ask which form the quote uses.

### What is a retroactive date?

It’s the date from which prior work can be covered under a claims-made policy. Confirm it on every quote, and bring your current date when you change insurers.

## More

- [Business Insurance by Coverage](https://spot.insure/insurance)

## Agent and Developer Resources

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