Errors and Omissions Insurance

"To create something exceptional, your mindset must be relentlessly focused on the smallest detail." - Giorgio Armani.

The most innocent clerical error or proofreading mistake (even when made by an intern or trainee) can be costly if it results in financial loss or damages the reputation of one of your customers. 

Mistakes happen to the best of us – it’s just human nature.

Business Liability insurance only protects your operation against bodily injury, property damage, or advertising injury. So, if your business provides any services to clients for a fee and the possibility for error or delayed service exists, Errors & Omissions insurance, also known as E & O insurance, is a wise investment to manage your risk. 

Some service business examples are: doctors, lawyers, accountants, architects, engineers, wedding planners, printers, building-trades contractors, mortgage and real estate services, designers, and advertising agencies.

With an E&O insurance policy, you’ll enjoy specialized liability protection against losses not covered by traditional business insurance.

E & O insurance protects you from claims in the event a customer or client sues your service business for negligent acts, errors, or omissions occurring during business activities and those that potentially result in a financial loss for the client.

Errors & Omissions insurance policies typically cover the business owner, both salaried and hourly employees, and subcontractors working on behalf of the business.

Insurance is not one-size-fits-all. E & O insurance can be customized to meet your specific needs, no matter what your business or industry. Real estate agents face different risks than printing companies, but both have potential to impact their customer's lives and livelihoods if a mistake occurs.

Your E & O policy can include:

  • Coverage for temporary staff, full-time employees, and independent contractors.
  • Past work coverage - unforeseen claims from work completed before you became insured to a pre-agreed date.
  • Worldwide coverage (as long as the claim is filed in the U.S., one of its territories, or Canada).
  • Tailored coverage for the unique risks of your field and industry.
  • Coverage for contracts satisfying most standard contract insurance requirements.

Running a business means managing details. Our professional advisors are experts at managing the risks associated with those details.

Contact us today to get started.


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