What We Do
Professional Liability Insurance
Also called errors and omissions (E&O), it covers the financial harm a client says your work, advice, or services caused.
Talk to an expert
Request a call with an expert. Tell us about your situation and we will follow up within one business day with next steps.
About professional liability
Professional liability, also known as errors and omissions (E&O), responds when a client claims your work caused them a financial loss: a missed step, an error in a filing, advice that did not hold up, or a service that fell short of what was promised. It pays the legal defense, which often costs more than the claim itself, plus any settlement or judgment. It is the line every business that sells expertise should carry.
What this policy responds to
The core exposures this coverage line responds to.
Defense costs and settlements for professional negligence
Errors, omissions, and missed deadlines in your work
Advice or recommendations a client says caused financial harm
Claims from third parties who relied on your work
Typical operators on this line
Who we most often place this coverage for.
Consultants, agencies, accountants, and advisors
Technology and software companies (often as tech E&O)
Attorneys, who carry it as lawyer professional liability
Anyone a client contract or professional license requires to hold it
What this policy does not cover
Common gaps clients assume are included. These usually need a separate line or an endorsement.
Bodily injury and property damage (that is general liability)
Dishonest, fraudulent, or criminal acts by the insured
Known claims or circumstances that predate the policy's retroactive date
What drives the cost
Underwriters price this line on your specifics, not a flat rate. These are the factors that move a premium up or down.
Your profession and the services you bill for
Annual revenue and the size of the engagements you take
Claims history and the years of prior acts you need covered
The limit, deductible, and retroactive date you select
Checklist
Professional Liability Insurance checklist
Tell us about your operation
Share what your business does, your revenue band, and the contracts or clients driving the need. This sets the exposures an underwriter will price.
We market your risk to carriers
Our agents take your profile to the carrier panel that writes this line, then compare terms, limits, and exclusions side by side.
Review quotes and choose limits
You see the options in plain language: what each policy covers, where the gaps are, and how the limit and deductible change the premium.
Bind coverage and get your documents
Once you pick a quote, we bind the policy and send your certificate and policy documents, usually within one business day.
Manage renewals and changes
As your business changes, we adjust limits, add endorsements, and handle the renewal so coverage keeps pace with your exposure.
FAQ
Frequently Asked Questions
Licensing regulations by state
Licensing regulations by state
Where you operate shapes what you file
52 of 52 jurisdictions documented. Pick a state to see the regulator, the license rule, and the bond.
What We Do
Why Cornerstone Licensing for professional liability insurance
- States covered
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All 50
States covered
Filings, agents, and renewals everywhere you do business.
- Specialist assigned
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1:1
Specialist assigned
A real person who knows your filing inside out, start to finish.
- Surprise fees
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0
Surprise fees
Transparent scope and quote up front. No add-ons mid-stream.
What We Do
Also called errors and omissions (E&O), it covers the financial harm a client says your work, advice, or services caused.
Cornerstone Licensing
How we use AI
AI helps our licensing team work faster. Our specialists still own every call.
For Professional Liability Insurance filings, AI helps our team find the right starting point quickly and reuse data you have already given us, so the work moves without extra effort from you. A licensed Cornerstone specialist reviews everything before it leaves our hands. Your information stays on our infrastructure, not in a public LLM.
On Our Infrastructure
Our models run on Cornerstone servers, not public chatbots. Your business information is not sent to a third-party LLM or used to train anyone else's product.
An Assistant, Not an Operator
AI helps our licensing team start their research in the right place and surface the resources to look at. Specialists vet what comes back and make the call.
Less Duplicate Work for You
Atlas figures out what data each form needs, then reuses what you have already given us so the same question does not come around twice. That is how approvals come faster.
Explore More From Our Team
Tools and references our customers use most.
What We Do
Ready to price professional liability insurance?
Share a few details and an agent will respond within one business day with the lines that fit and the carrier panel we plan to market to.