Why do I need errors and omissions insurance coverage?

  • Errors and omissions insurance coverage, also known as professional liability insurance, provides protection for your professional services business from claims of negligence or failing to perform your professional duties.

Errors and omissions coverage claim examples:

Copyright Infringement

  • A marketing consultant is creating a slogan for a new product. By accident, they use a slogan similar to another business’s. Unknowingly, the marketing consultant may have just infringed upon the intellectual property rights of that other business. They may sue.

  • Errors and omissions insurance coverage could defend the marketing consultant and, if necessary pay for damages for which the business is found liable, up to the policy limits.


Negligent Acts

  • An  IT/technology consultant installs software changes for a client. A virus lets hackers access their customer database file because the consultant disabled the firewall in order to make the installation. The client may sue for damages, even though the consultant’s actions were unintentional.

  • Errors and omissions coverage could defend the IT consultant and, if necessary cover damages incurred, up to the policy limit.

Errors and Omissions insurance policy covers:

Alleged or actual negligence

  • Errors and omissions insurance coverage is strongly recommended to protect your business from claims alleging negligence from your professional services including failing in your "duty of care", giving incorrect advice or making mistakes.

Defense Costs

  • E&O will defend you, even if the lawsuit is groundless. We even pay for supplemental expenses you incur as a result of attending an arbitration proceeding trial in the defense of a covered claim.

Personal Injury (e,g., libel or slander)

  • Protects you against personal injury claims (e.g., libel or slander) that arise while rendering your professional services.

Copyright Infringement

  • We customize your errors and omissions insurance coverage for the specific needs of your business. For example, if you are an IT/technology consultant, you could run the risk of being sued for allegedly infringing on software code. For most businesses in this profession, we offers up to $200,000 of coverage for damages and claims expenses for just such a situation.

    Similarly, for marketing consultants, we include up to $200,000 of coverage for claims alleging the infringement of a third party’s copyrights or trademarks that may arise while rendering your professional services.


Worldwide errors and omissions insurance coverage

  • We believe your insurance should follow you wherever your business takes you. Our E & O insurance covers claims arising from work you do anywhere in the world, as long as the claim is filed in the United States, its territories or Canada


Temporary staff and independent contractors

  • We cover claims arising from business-related services completed by your employees, temporary staff and independent contractors.

Claims arising from services provided in the past

  • We’re one of the few insurers to cover unknown claims from services your business has performed in the past. Most errors and omissions insurance carriers will only cover your services originating from the date you purchased your first policy. Our policy covers you even before you purchased your first E & O insurance policy (retroactive coverage).

Claims and damages

  • It’s better to be safe than sorry. If you lose a large claim, it can affect the financial stability of your business. Your E&O policy covers claims for monetary damages and non-monetary relief, including up to $250,000 of punitive damages where allowed by law.


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Burbank, CA.  91502



Tel:    (818) 641-1107

Fax:   (510) 350-9035

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