Professional Liability (E&O)

Independent broker. Protect your business from claims of negligence, mistakes, or missed deadlines—contract-ready, with clear limits and retro dates.

🧑‍💼Service errors 📄Contract compliance ⏰Claims-made & retro date
📘 What E&O typically covers
  • Alleged negligence in professional services or advice.
  • Errors & omissions — mistakes, missed deadlines, oversights.
  • Defense costs and damages (subject to policy terms).
  • Contract-required limits with certificates & endorsements.
🧩 Key features & options
  • Claims-made coverage with a retroactive date—we help preserve prior acts when switching carriers.
  • Defense inside vs. outside limits (affects how quickly limits are used).
  • Duty to defend vs. reimbursement wording (varies by form).
  • Worldwide coverage with suits brought in the U.S. (form-specific).
  • Subs/contractors—confirm vicarious liability and certificate requirements.
📏 Right-sizing limits & deductibles

We’ll show side-by-side options for limits (e.g., $1M/$1M, $2M/$2M), retentions/deductibles, defense placement, and tail options—so you can choose confidently.

📅 What’s a retroactive date?

It’s the earliest date of covered work. Keep it as far back as possible to preserve prior acts—especially when changing carriers.

📄 Can you match contract requirements?

Yes—send the insurance section. We’ll align limits, add additional insured/waiver language when available, and issue certificates fast.

🔁 Switching from another broker?

We’ll collect loss runs and current policy docs, match your retro date, and quote multiple carriers for cleaner terms and pricing.

Ready to compare E&O options?

Share what you do, contract requirements, current limits/retro date, and any claims. We’ll send a clear, side-by-side proposal.

Discuss professional liability