Professional Liability.
Errors, omissions, and negligence claims. Essential coverage for consultants, real estate professionals, and service businesses across California, Texas, Florida, and Arizona.
Professional liability — also called Errors & Omissions (E&O) — protects you when a client says your advice, your service, or your work caused them financial harm. General liability covers bodily injury and property damage; professional liability covers the financial damage that comes from doing your job.
We write E&O for consultants, real estate agents and brokers, accountants, IT services, marketing agencies, design firms, and a broad spectrum of service businesses. Independent broker, multiple carriers — we shop rates and language so the policy actually responds when something goes wrong.
Built around how you actually run.
- Errors & omissions. Mistakes, missed deadlines, bad advice, or work that didn't deliver what was promised. The core of professional liability.
- Negligence claims. When a client argues you fell below the professional standard of care expected in your industry.
- Defense costs. Legal defense is included — even for groundless claims. Often the most expensive part of an E&O matter.
- Industry-specific forms. Real estate E&O, miscellaneous professional, technology E&O, cyber + E&O combined. The right form matters.
What's typically included.
- Errors, omissions, and negligence
- Defense costs in addition to limits (when available)
- Retroactive coverage for prior acts (claims-made)
- Real estate brokers & agents
- Consultants & advisory services
- Tech & cyber-adjacent professionals
- Multi-state coordination across CA, TX, FL, AZ
Questions before the quote.
General liability covers bodily injury and property damage to third parties. Professional liability covers financial loss from your professional advice, services, or work product. Most service businesses need both.
Client
contract requires E&O?
Most contracts that require E&O also require a minimum limit and a Certificate of Insurance. We can quote, bind, and issue the COI on the same call.