Errors & Omissions Insurance
E&O insurance responds when a client alleges your professional services caused them financial harm through negligence, errors, or failure to deliver. Claims-made policy structure means retroactive dates and prior acts coverage matter as much as limits. We place E&O for professional service firms, technology companies, consultants, and any business where the quality of advice or work product is the core deliverable. Contact us to review your program.
Common E&O gaps we see
The most frequent E&O problem we encounter isn’t missing coverage. It’s the wrong retroactive date. Claims-made policies only cover claims arising from acts that occurred after the retroactive date. If that date resets when you switch carriers, you’ve created a gap in coverage for everything you did before the switch. We make sure retroactive dates carry forward on every renewal and every carrier change.
The second most common issue is sublimits on specific services. A technology firm’s E&O policy might cover consulting work at full limits but sublimit software implementation to $250,000. If your largest contracts involve implementation, that sublimit is the real limit on your exposure.
We place E&O for professional service firms, technology companies, consultants, architects, engineers, and any business where the work product creates financial exposure for clients.
