Errors and Omissions Insurance

Get A Reliable Insurance Agent For E&O Insurance

People commit mistakes and problems occur in the aftermath. It’s completely normal. Whether it’s a person, business or a professional, not everyone can do everything perfectly all the time. However, some errors can profoundly impact your business and your profession, should they escalate with lawsuits and litigations. 

Business lawsuits and liabilities can lead to substantial irreversible losses. No matter how much you try, you can’t always avoid these instances. What you can do instead if protect your business against legal issues by getting errors and omissions insurance.

errors and omissions insurance

By getting E & O insurance, you’ll be able to protect your career, your business, and prevent the risk of debt and business shutdown.We’ve compiled some errors and omissions insurance (also referred to as professional liability insurance) basics and linked some insightful content for your profession. Have a look at them below before getting your errors and omissions insurance policy! 

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Frequently Asked Questions

Is E & O Insurance required by law?

No, E&O insurance is not mandatory by law in all fifty states. Certain states have set federal requirements on E&O insurance for professions that involve higher risks like law practice and medical field.

For instance, in the state of Tennessee, timeshare salesperson, affiliate brokers and real estate brokers are required by law to have errors and omissions insurance. Similarly, Colorado mandates E&O coverage for all real estate businesses.

Even in the states where it is not mandated, businesses are advised to purchase E&O insurance to protect themselves from the financial damages that can result from errors and omissions.  

When should I purchase E&O insurance?

You should purchase E&O insurance as soon as you start your business. This way, you will be protected from the financial damage that will result from errors and omissions. 

What does E&O insurance cover?

Errors and omissions insurance policies cover attorney fees, court costs, and settlements costs up to the policy’s limits. This also includes a variety of claims, including negligence, misrepresentation, breach of contract, and even unfair competition. Some policies also provide coverage for pre-judgment interest and punitive damages, which are not typically covered by general liability insurance.   

However, the forms of insurance coverage that are most appropriate for you will be determined by a variety of circumstances, including the following: 

  • Age  
  • Driving records 
  • Condition of your vehicles 
  • Use of your trucks and cargo 
  • State and federal requirements 
  • Distance travelled 

Why is a business insurance agent important?

A business insurance agent is important as they will help you get the best insurance for your business needs. They are insurance experts and will provide you with the best business insurance. 

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Which Are the Most Appropriate Errors and Omissions Insurance According To My Profession? 

 Here are a few of the professions that need E & O insurance: 

  1. Accountants 
  2. Consultants 
  3. Real Estate Agents 
  4. Handyman 
  5. Personal Trainers 
  6. Nurses 
  7. Photographers 
  8. Lawyers 
  9. Health Professionals 
  10. Electricians 
  11. Contractors 
  12. Aestheticians 
  13. Engineers 

Are Errors and Omissions Insurance, Professional Liability Insurance, and Malpractice Insurance the Same? 

One can often get confused with terminologies in the world of insurance. Professional liability insurance, malpractice insurance, and E & O insurance are terms that can be used interchangeably in most situations. The usage of these words generally differs according to the industry that you’re working in. However, the purpose of the insurance is the same, no matter the terminology. 

Curious to learn more about E & O insurance, professional liability insurance, and malpractice insurance? 

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Error and Omissions Insurance 101

Purchasing errors and omissions insurance need not be intimidating. Have a quick read through a guide that we have come up with to help you out. 

  • Basics of E & O insurance 
  • What does E & O insurance cover? 
  • How does it really work? 
  • Things to remember while buying E & O insurance

View the complete guide»

Why Do I Need an Insurance Agent?

Having a business insurance agent makes the process of shopping for insurance easier and simply the process. An insurance agent has the knowledge and will guide you through the process of choosing the best coverage for your needs. They will answer any questions you have, help you understand the different types of insurance, and ensure you get the most out of your coverage. Plus, an insurance agent can help you negotiate the best rates for your policy and make sure you are getting the most for your money. Having an insurance agent will help you save time and money, making it well worth the effort. Here are some of the key benefits of using an insurance agent: 

Get Multiple Insurance Providers

One of the primary benefits of using an insurance agent is they will offer insurance from multiple insurance providers. This means they will provide you with quotes from multiple providers and help you find the best coverage for your unique needs. 

Knowledgeable Guidance

Insurance agents have a wealth of knowledge when it comes to different insurance policies and coverage options. They will provide you with knowledgeable guidance and advice so that you get the best coverage for your individual needs. 

Expert Negotiations

Insurance agents will also help you negotiate better rates and coverage terms with insurance providers. They have the expertise so that you get the best coverage for your budget. 

Claim Assistance

If you ever have to file a claim, an insurance agent will provide you with assistance. From filing the claim to providing assistance throughout the entire process, they will be a great asset. 


Working with best insurance agents near me will also help you save time. They will help you quickly obtain quotes and find appropriate coverage for your needs. This will save you a great deal of time and energy.  

We help you find insurance agents near me for your business insurance. They will provide you with knowledgeable guidance and expertise in negotiating terms and filing claims. They will save you time and money.  

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