# 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. ## 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. ## Typical operators on this line Who we most often place this coverage for. ## What this policy does not cover Common gaps clients assume are included. These usually need a separate line or an endorsement. ## 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. ## How it works 1. **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. 2. **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. 3. **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. 4. **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. 5. **Manage renewals and changes**, As your business changes, we adjust limits, add endorsements, and handle the renewal so coverage keeps pace with your exposure. ## Frequently asked questions ### 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. ### Does E&O cover work I did before the policy started? Only if the policy includes prior-acts coverage tied to a retroactive date that predates the work. Most E&O is claims-made, so the retroactive date decides whether older work is covered. ### How quickly can you get me a quote? Most quotes come back within 2 to 5 business days once we have the basics: business name, state, headcount, revenue, the lines you think you need, and any prior claims. Specialty placements can take longer; we will flag that up front. ### Do you place coverage in every state? Yes for the major P&C lines. Some specialty lines have state restrictions and we will flag them at quote time.