Errors & omissions (E&O)

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General insurance protects you and your assets from the financial risk of something going wrong.

It can’t stop something happening, but if something unexpected does happen that is covered by your policy it means you won’t have to pay the full cost of a loss.

Commercial Property Insurance


Errors and omissions insurance (E&O) protects a business against claims that it did not provide services that were expected or promised. Specifically:

  • You caused a client financial loss due to a mistake (errors).
  • You didn’t perform a service (omissions). 

It is sometimes referred to as professional liability insurance. Errors and omissions insurance typically pays the costs of a legal defense, out-of-court settlements and judgments, even if the lawsuit was groundless. Generally, errors and omissions insurance is not included in a business owners policy (BOP) but can be purchased separately or as an endorsement to a BOP.