Errors & Omissions

Errors & Omissions (E&O) insurance plays an essential role in protecting small and low mid- market businesses that provide professional services. Whether your client is a management consultant, software developer, or other service-based business, a simple mistake, missed deadline, or miscommunication can trigger costly claims of negligence or failure to perform. E&O insurance responds to these allegations by covering legal defense costs, settlements, and judgments, regardless of whether the claim has merit. In today’s service-driven economy, even the most diligent professionals can face disputes from clients over perceived errors—and without coverage, these businesses often struggle to survive the financial fallout.

For brokers, guiding clients toward adequate E&O protection is a proactive way to mitigate one of the most common but misunderstood business risks. Many smaller firms assume they are too small or careful to be sued, or they mistakenly believe their general liability policy will respond—leaving a critical gap in protection. With increasing reliance on service contracts, digital deliverables, and high client expectations, professional liability exposure is more present than ever. By offering tailored E&O solutions, you reinforce your role as a trusted advisor and help ensure their operations are protected from reputational and financial harm.