Errors & Omissions (E&O) Insurance
Is errors and omissions the same as professional liability?
Yes. Errors and omissions (E&O) and professional liability are two names for the same coverage. It responds to financial harm a client claims your work caused, not to physical injury or property damage.
What We Do
Errors & Omissions (E&O) Insurance
Cover the cost of defending and settling claims that you made a mistake, missed a step, or gave bad advice.
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 errors and omissions
E&O is the line that pays when a client says your work caused them harm. It covers legal defense and settlements arising from professional services rendered, advice given, or services that fell short of expectations.
What this policy responds to
The core exposures this coverage line responds to.
Defense costs and judgments tied to professional negligence
Failure-to-deliver and missed-deadline claims
Errors in advice, recommendations, or filings
Claims from third parties who relied on your work
Typical operators on this line
Who we most often place this coverage for.
Lenders, mortgage originators, and finance professionals
Compliance, licensing, and registered-agent service providers
Anyone billing for advice, analysis, or specialized expertise
What this policy does not cover
Common gaps clients assume are included. These usually need a separate line or an endorsement.
Bodily injury or property damage (that is general liability)
Dishonest, fraudulent, or criminal acts by the insured
Known claims or circumstances that predate the policy
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.
Annual revenue and the type of services you bill for
Claims history and how long you have been in business
The limit and deductible you select
Whether prior-acts (retroactive) coverage is needed
Checklist
Errors & Omissions (E&O) 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 errors & omissions (e&o) insurance
- States covered
-
All 50
States covered
Filings, agents, and renewals everywhere you do business.
- Specialist assigned
-
1:1
Specialist assigned
A real person who knows your filing inside out, start to finish.
- Surprise fees
-
0
Surprise fees
Transparent scope and quote up front. No add-ons mid-stream.
What We Do
Cover the cost of defending and settling claims that you made a mistake, missed a step, or gave bad advice.
Cornerstone Licensing
How we use AI
AI helps our licensing team work faster. Our specialists still own every call.
For Errors & Omissions (E&O) 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 errors & omissions (e&o) 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.