Who needs Professional Liability (E&O)?
What's covered
Claims that you failed to use reasonable care or skill in providing your services, resulting in client losses.
Mistakes in your work or forgetting to do something you should have done. For example, a tax preparer missing a deduction.
Claims that you provided inaccurate information or advice that led to financial harm.
Allegations that you failed to deliver services as promised in your contract.
Legal fees to defend against claims, even frivolous ones. Often the most valuable part of the policy.
What's not covered
Examples by industry
A skincare treatment you recommend causes a bad reaction; professional liability covers the claim that your service caused harm.
A nutrition consultant's meal plan is blamed for a client's health issue; professional liability covers the negligence claim.
A client claims your maintenance oversight led to costly damage; professional liability responds to the service-failure claim.
Your accounting error causes a client a tax penalty; professional liability (E&O) covers the resulting claim.
An e-commerce consultant's strategy is blamed for lost sales; professional liability covers the alleged advice error.
A logistics planner's routing mistake causes a client major delays and losses; professional liability responds.
Your software has a bug that causes a client to lose data; professional liability (E&O) covers their damages.
A home inspector misses a major defect the buyer later discovers; professional liability covers the claim.
A designer misses a contracted deadline, costing the client a launch; professional liability covers the dispute.
An agent is accused of failing to disclose a property defect; professional liability covers the claim.
Part of the Knack guide
Learn Professional Liability (E&O) alongside every other coverage in our full guide.
Open in the full guideNeed help deciding?
Upload your current policy and our AI will analyze your coverage gaps.
Analyze my coverage