---
title: "What Is Professional Errors and Omissions (E&O) Insurance?"
description: "Professional liability can help pay covered defense costs and losses when a client says your advice or service caused financial harm; check services and reporting terms."
canonical: "https://thegeneralaverage.com/coverage/professional-errors-omissions"
page-type: "coverage-article"
updated-at: "2026-09-25"
coverage-line: "professional-errors-omissions"
---

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[Human-readable page](https://thegeneralaverage.com/coverage/professional-errors-omissions)

## Agent Guide

**What this page is:** National guide to What Is Professional Errors and Omissions (E&O) Insurance?: what it covers, common policy questions, and which providers document offering it.

**Use this page when:** Explaining What Is Professional Errors and Omissions (E&O) Insurance? in general terms. For a specific state's rules, use /coverage/professional-errors-omissions/{state} instead.

**Questions this page answers:**
- What is What Is Professional Errors and Omissions (E&O) Insurance??
- What does What Is Professional Errors and Omissions (E&O) Insurance? cover and not cover?
- Which providers offer What Is Professional Errors and Omissions (E&O) Insurance??
- What should I ask before buying What Is Professional Errors and Omissions (E&O) Insurance??

**Key facts:**
- Lists 49 providers with documented What Is Professional Errors and Omissions (E&O) Insurance? offerings, linked to their profiles.

**Limits (do not over-claim):**
- National overview only: state law, pricing, and availability vary and are not established here.
- Provider listings are documented offerings, not quotes, endorsements, or a guarantee of availability for a given business.
- Informational, not insurance, legal, or tax advice; a policy's actual terms control.

**Provenance:** Cited editorial guide, updated 2026-09-25. See the Sources section for each claim.

**Related pages:**
- [Coverage directory](https://thegeneralaverage.com/coverage) — parent hub
- [Business insurance by state](https://thegeneralaverage.com/coverage/states) — state-specific requirements
- [What Is General Liability Insurance?](https://thegeneralaverage.com/coverage/general-liability) — related coverage
- [What Is Technology Errors and Omissions (E&O) Insurance?](https://thegeneralaverage.com/coverage/technology-errors-omissions) — related coverage
- [What Is Medical Malpractice Insurance?](https://thegeneralaverage.com/coverage/medical-malpractice) — related coverage
- [What Is a Business Owner’s Policy?](https://thegeneralaverage.com/coverage/business-owners-policy) — related coverage
- [Editorial policy](https://thegeneralaverage.com/editorial-policy) — how sources are chosen and reviewed

# What Is Professional Errors and Omissions (E&O) Insurance?

Professional liability can help pay covered defense costs and losses when a client says your advice or service caused financial harm; check services and reporting terms.

## Professional Liability (E&O) Insurance Summary

Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. [1](https://www.tdi.texas.gov/commercial/pl-faq.html) [2](https://www.iii.org/article/professional-liability-insurance) [3](https://www.sba.gov/counseling/launch-your-business/#business-insurance) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html) [2](https://www.iii.org/article/professional-liability-insurance) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html) [2](https://www.iii.org/article/professional-liability-insurance) [1](https://www.tdi.texas.gov/commercial/pl-faq.html) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html)

## What Does Professional Errors and Omissions (E&O) Insurance Cover?

An incorrect tax filing, missed deadline or faulty design can leave your client facing a financial loss and looking to your business to pay. [1](https://www.tdi.texas.gov/commercial/pl-faq.html) [2](https://www.iii.org/article/professional-liability-insurance) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf)

If a client says your advice or service caused financial harm, professional liability insurance can help your business respond to the covered claim. [1](https://www.tdi.texas.gov/commercial/pl-faq.html) [2](https://www.iii.org/article/professional-liability-insurance) [3](https://www.sba.gov/counseling/launch-your-business/#business-insurance) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf)

### Professional Services and Financial Loss

Ask how the quote addresses a client’s financial loss from professional services, and compare its treatment of bodily injury and property damage. [1](https://www.tdi.texas.gov/commercial/pl-faq.html) [2](https://www.iii.org/article/professional-liability-insurance) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf)

### How It Differs From General Liability

Separate injury or property-damage exposures from allegations that professional advice or services caused a client financial loss. [1](https://www.tdi.texas.gov/commercial/pl-faq.html) [2](https://www.iii.org/article/professional-liability-insurance) [3](https://www.sba.gov/counseling/launch-your-business/#business-insurance)

## Who Needs Professional Errors and Omissions (E&O) Insurance?

Consider professional E&O if customers pay for your advice or services and a mistake could cost them money. [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html) [3](https://www.sba.gov/counseling/launch-your-business/#business-insurance) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html)

## Professional Errors and Omissions (E&O) Insurance Coverage Examples

### A Client Says Your Advice Cost Them Money

A client alleges that an error in your professional advice caused a financial loss.

Professional E&O may pay defense costs and covered damages. The service you provided must fit the work insured, and defense spending may reduce the limit. [1](https://www.tdi.texas.gov/commercial/pl-faq.html) [2](https://www.iii.org/article/professional-liability-insurance) [3](https://www.sba.gov/counseling/launch-your-business/#business-insurance) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html) [1](https://www.tdi.texas.gov/commercial/pl-faq.html) [2](https://www.iii.org/article/professional-liability-insurance) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html) [2](https://www.iii.org/article/professional-liability-insurance) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [2](https://www.iii.org/article/professional-liability-insurance)

### An Old Project Leads to a New Claim

A former client brings a claim after you've switched insurers.

Protection for earlier work depends on the retroactive date and reporting terms. An extended reporting period may help with later claims when earlier coverage ends. [1](https://www.tdi.texas.gov/commercial/pl-faq.html) [2](https://www.iii.org/article/professional-liability-insurance) [3](https://www.sba.gov/counseling/launch-your-business/#business-insurance) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html) [2](https://www.iii.org/article/professional-liability-insurance) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html)

## How Does Professional Errors and Omissions (E&O) Insurance Compare With Related Coverage?

### Technology Errors and Omissions

Confirm whether the quote schedules professional services under professional errors and omissions (E&O) coverage, or uses a separate technology errors and omissions form for technology products or services. [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [2](https://www.iii.org/article/professional-liability-insurance) [5](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm)

### Medical Malpractice

Medical malpractice is a specialized professional-liability product for health care; do not treat a general professional E&O quote as a substitute for it. [5](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm) [2](https://www.iii.org/article/professional-liability-insurance) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf)

### Business Owner’s Policies

Do not assume a business owner’s policy includes professional liability; check the proposed coverage and whether you need a separate policy. [2](https://www.iii.org/article/professional-liability-insurance) [6](https://www.iii.org/article/do-i-need-professional-liability-insurance)

## How Do You Compare Professional Errors and Omissions (E&O) Insurance Coverage and Costs?

### Claims-Made Timing

Ask whether the quote is claims-made, when a claim must be made and reported, and whether an occurrence form is available instead. [2](https://www.iii.org/article/professional-liability-insurance) [1](https://www.tdi.texas.gov/commercial/pl-faq.html) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf)

When replacing claims-made coverage, compare the retroactive date and reporting terms with your current policy. Earlier work may need to remain covered, and known circumstances must be disclosed. A new start date alone doesn't establish continuity for advice or services you delivered in the past. [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html)

If you change insurers or stop buying claims-made coverage, ask about an extended reporting period for later claims arising from earlier work. [2](https://www.iii.org/article/professional-liability-insurance) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html)

| Timing question | What to ask |
| --- | --- |
| Claims-made or occurrence | When must the claim be made and reported, and is an occurrence form available instead? |
| Retroactive date | Does prior work count, and have you disclosed known circumstances that could become claims? |
| Changing insurers or stopping coverage | Is an extended reporting period available for later claims that arise from earlier work? |

[2](https://www.iii.org/article/professional-liability-insurance) [1](https://www.tdi.texas.gov/commercial/pl-faq.html) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html) [2](https://www.iii.org/article/professional-liability-insurance) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html)

### Defense, Limits and Scheduled Services

Check the insurer’s duty to defend, whether defense expenses reduce the available limit, and any consent-to-settle terms. [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html) [2](https://www.iii.org/article/professional-liability-insurance)

Compare the each-claim limit, the aggregate limit, and the deductible or retention. [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [2](https://www.iii.org/article/professional-liability-insurance)

Confirm the named businesses and people insured and the professional services the quote actually schedules. [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html)

### Exclusions

Ask how the quote treats bodily injury, property damage, dishonest acts, intellectual-property claims and failure to protect confidential information. [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [2](https://www.iii.org/article/professional-liability-insurance)

## What Do You Need for Professional Errors and Omissions (E&O) Insurance Quotes?

### Services and Contracts

Prepare a description of the professional services you sell, who performs them, and the clients or contracts that require proof of insurance. [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html) [3](https://www.sba.gov/counseling/launch-your-business/#business-insurance)

### Claims History and Current Terms

Have information on prior claims, incidents and known circumstances that could become claims ready for the discussion. [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html)

Bring current professional-liability terms, the retroactive date and any existing extended-reporting or tail arrangement. [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html)

| Prepare | Ask the broker |
| --- | --- |
| Services and people performing them | Which services and insured names will the policy schedule? |
| Prior claims or circumstances | What records and known issues should you disclose? |
| Current policy and retroactive date | How will coverage continue if you change insurers or end a claims-made policy? |

[4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html) [3](https://www.sba.gov/counseling/launch-your-business/#business-insurance) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html)

## Professional Errors and Omissions (E&O) Insurance: Key Terms in Plain English

### Professional Services

The work named in the quote. Confirm it matches the services you actually sell and the people providing them. [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html)

### Extended Reporting Period

Extra time to report eligible claims about earlier work after claims-made coverage ends. [2](https://www.iii.org/article/professional-liability-insurance) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html)

## Frequently Asked Questions About Professional Errors and Omissions (E&O) Insurance

### Is Professional Liability Included in a BOP?

Not automatically. Check whether professional liability is included, added or quoted separately. [2](https://www.iii.org/article/professional-liability-insurance) [6](https://www.iii.org/article/do-i-need-professional-liability-insurance)

### What if a Claim Arrives After I Stop Buying Coverage?

An extended reporting period may provide a way to report later claims about earlier work. Discuss it before ending or replacing claims-made coverage. [2](https://www.iii.org/article/professional-liability-insurance) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html)

### Do I Need Professional E&O if I Already Have General Liability?

The policies address different exposures. General liability concerns injury and property damage; professional E&O concerns allegations that your services or advice caused a client financial loss. Compare the actual terms before treating one as sufficient for both. [1](https://www.tdi.texas.gov/commercial/pl-faq.html) [2](https://www.iii.org/article/professional-liability-insurance) [3](https://www.sba.gov/counseling/launch-your-business/#business-insurance) [1](https://www.tdi.texas.gov/commercial/pl-faq.html) [2](https://www.iii.org/article/professional-liability-insurance) [3](https://www.sba.gov/counseling/launch-your-business/#business-insurance) [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf)

### Can Professional E&O Cover Work Done Before the Policy Started?

It may, depending on the retroactive date and prior-work terms. Confirm those terms and disclose known circumstances that could become claims instead of assuming all earlier work is included. [4](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf) [1](https://www.tdi.texas.gov/commercial/pl-faq.html)

## What Coverage Is Related to Professional Liability (E&O) Insurance?

- [What Is General Liability Insurance?](https://thegeneralaverage.com/coverage/general-liability) — General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage.
- [What Is Technology Errors and Omissions (E&O) Insurance?](https://thegeneralaverage.com/coverage/technology-errors-omissions) — Technology errors and omissions coverage can help pay when a customer claims your software, hosting, installation or technology advice caused financial loss. If you provide tech products or services, check each activity; cyber incidents and unrelated professional work need separate review.
- [What Is Medical Malpractice Insurance?](https://thegeneralaverage.com/coverage/medical-malpractice) — Medical malpractice insurance can pay defense costs and covered damages when a patient claims a clinician’s care caused harm. If you provide health care, match the quote to your practice, clinicians, specialties and procedures, then check who is insured.
- [What Is a Business Owner’s Policy?](https://thegeneralaverage.com/coverage/business-owners-policy) — A BOP may suit an eligible small business that wants property, liability and lost-income protection together. If you also need auto, workers’ compensation or professional liability, plan for separate coverage.

## Which Insurance Providers Offer Professional Liability (E&O) Insurance?

### [AIG](https://thegeneralaverage.com/insurance-providers/aig)

AIG entity-based Professional Liability / Specialty Professional E&O

### [Alliance Risk](https://thegeneralaverage.com/insurance-providers/alliance-risk)

Alliance Risk arranges professional liability insurance.

### [Amelia Risk](https://thegeneralaverage.com/insurance-providers/amelia-risk)

Amelia Risk arranges professional errors and omissions insurance for startups.

### [Aon](https://thegeneralaverage.com/insurance-providers/aon)

Aon describes professional-liability/E&O services for law, accounting and consulting firms; a U.S. placement and any separate technology E&O terms remain to be confirmed.

### [At-Bay](https://thegeneralaverage.com/insurance-providers/at-bay)

At-Bay offers primary miscellaneous professional liability insurance.

### [Beazley](https://thegeneralaverage.com/insurance-providers/beazley)

Beazley offers professional errors and omissions insurance through MediaTech for small technology and business-services companies.

### [Berkshire Hathaway Specialty Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance)

Professional First materials describe a professional-liability portfolio with several professions and service types.

### [biBerk](https://thegeneralaverage.com/insurance-providers/biberk)



### [CFC](https://thegeneralaverage.com/insurance-providers/cfc)

CFC offers professional liability insurance for professional-service businesses.

### [Chubb](https://thegeneralaverage.com/insurance-providers/chubb)

Chubb offers professional errors and omissions insurance through Pro ERM for non-licensed professional-service firms.

### [CNA](https://thegeneralaverage.com/insurance-providers/cna)

currently marketed Miscellaneous Professional Liability and Epack 3 professional-liability component

### [Coalition](https://thegeneralaverage.com/insurance-providers/coalition)

Coalition offers miscellaneous professional liability as an addition to eligible Active Cyber policies.

### [Corgi](https://thegeneralaverage.com/insurance-providers/corgi)

Corgi lists miscellaneous errors and omissions coverage for service-based businesses.

### [Coterie Insurance](https://thegeneralaverage.com/insurance-providers/coterie)

Coterie lists miscellaneous professional liability for eligible small businesses in participating states.

### [Counterpart](https://thegeneralaverage.com/insurance-providers/counterpart)

Several separately scoped professional-liability programs; do not generalize terms across professions.

### [Coverdash](https://thegeneralaverage.com/insurance-providers/coverdash)

Coverdash lists professional liability in its Professional & Management catalog, separately from technology errors and omissions.

### [Embroker](https://thegeneralaverage.com/insurance-providers/embroker)

Embroker lists professional liability (errors and omissions) for professional services, separately from lawyers professional liability and technology errors and omissions.

### [ERGO NEXT Insurance](https://thegeneralaverage.com/insurance-providers/next-insurance)

ERGO NEXT lists professional liability insurance, also called errors and omissions insurance.

### [Founder Shield](https://thegeneralaverage.com/insurance-providers/foundershield)

Founder Shield lists errors and omissions for lawsuits alleging inferior work or service.

### [Foxquilt](https://thegeneralaverage.com/insurance-providers/foxquilt)

Professional E&O product page.

### [Gallagher](https://thegeneralaverage.com/insurance-providers/gallagher)

Gallagher arranges professional errors and omissions insurance for small businesses.

### [Harper](https://thegeneralaverage.com/insurance-providers/harper)

Harper includes professional liability in its coverage directory and quote intake as claims about work or advice.

### [Heffernan Insurance Brokers](https://thegeneralaverage.com/insurance-providers/heffernan)

Heffernan arranges professional errors and omissions insurance for small businesses.

### [Hiscox](https://thegeneralaverage.com/insurance-providers/hiscox)

Hiscox offers professional errors and omissions insurance for small businesses.

### [HUB International](https://thegeneralaverage.com/insurance-providers/hub-international)

HUB International arranges professional errors and omissions insurance.

### [Insureon](https://thegeneralaverage.com/insurance-providers/insureon)

Insureon markets Professional Liability (E&O); description does not establish insurer, policy terms, or individual availability.

### [Kinro](https://thegeneralaverage.com/insurance-providers/kinro)

Kinro lists professional liability (errors and omissions) for claims tied to professional advice, errors, omissions or service mistakes.

### [Liberty Mutual](https://thegeneralaverage.com/insurance-providers/liberty-mutual)

A group brand spanning personal and commercial insurance businesses; its business unit pages describe small-commercial cover for small businesses and commercial, specialty, surety, and reinsurance solutions for mid-size and large businesses.

### [Lockton](https://thegeneralaverage.com/insurance-providers/lockton)

Lockton arranges professional errors and omissions insurance.

### [Markel Insurance](https://thegeneralaverage.com/insurance-providers/markel)

Markel ProBiz miscellaneous E&O

### [Marsh](https://thegeneralaverage.com/insurance-providers/marsh)

Marsh arranges professional errors and omissions insurance.

### [Marsh McLennan Agency](https://thegeneralaverage.com/insurance-providers/marsh-mclennan-agency)

Business insurance and employee health and benefits, with retirement, wealth, and private-client services also listed for the United States and Canada.

### [Mylo](https://thegeneralaverage.com/insurance-providers/mylo)

Mylo compares professional liability quotes for claims from clients unhappy with professional services.

### [Nationwide](https://thegeneralaverage.com/insurance-providers/nationwide)

Nationwide markets professional E&O for professional-service exposures. This does not establish technology E&O or any particular profession’s acceptance.

### [Newfront](https://thegeneralaverage.com/insurance-providers/newfront)

Newfront lists errors and omissions among its executive-risk coverage services.

### [Pie Insurance](https://thegeneralaverage.com/insurance-providers/pie-insurance)

Pie Insurance arranges professional errors and omissions insurance for small businesses through third-party insurers.

### [Relm Insurance](https://thegeneralaverage.com/insurance-providers/relm)

Relm lists professional errors and omissions insurance for placement through brokers.

### [Simply Business](https://thegeneralaverage.com/insurance-providers/simply-business)

Small businesses and solopreneurs seeking commercial insurance, as described by Simply Business.

### [StartupInsurance.ai](https://thegeneralaverage.com/insurance-providers/startupinsurance)

StartupInsurance.ai arranges professional errors and omissions insurance for startups.

### [TechInsurance](https://thegeneralaverage.com/insurance-providers/techinsurance)

TechInsurance arranges professional errors and omissions insurance for small businesses.

### [The Baldwin Group](https://thegeneralaverage.com/insurance-providers/baldwin)

Listed as professional liability/E&O for professional-services and government-contractor audiences.

### [The Hartford](https://thegeneralaverage.com/insurance-providers/the-hartford)

The Hartford offers professional liability insurance for service businesses.

### [THREE by Berkshire Hathaway](https://thegeneralaverage.com/insurance-providers/three)

Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.

### [Travelers](https://thegeneralaverage.com/insurance-providers/travelers)

Travelers offers professional errors and omissions insurance.

### [USI Insurance Services](https://thegeneralaverage.com/insurance-providers/usi)

USI arranges professional errors and omissions insurance.

### [Vouch](https://thegeneralaverage.com/insurance-providers/vouch)

Vouch lists errors and omissions among the core coverages in its professional-services programs.

### [WithCoverage](https://thegeneralaverage.com/insurance-providers/withcoverage)

WithCoverage includes errors and omissions in its technology insurance-program review services.

### [WTW](https://thegeneralaverage.com/insurance-providers/wtw)

WTW markets financial-lines solutions, including errors and omissions, for residential real-estate stakeholders. Individual terms, insurer and placement eligibility are not established.

### [Zurich U.S.](https://thegeneralaverage.com/insurance-providers/zurich)

Zurich markets professional errors and omissions insurance.

## Sources for Professional Liability (E&O) Insurance

1. [FAQ: Professional liability insurance](https://www.tdi.texas.gov/commercial/pl-faq.html). Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
2. [Professional liability insurance](https://www.iii.org/article/professional-liability-insurance). Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
3. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
4. [Professional Liability – US Direct Errors and Omissions Insurance](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf). Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16.
5. [Lines of Insurance](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm). California Department of Insurance; Professional Liability Insurance paragraph (profession examples; wrongful acts; Errors & Omissions Insurance; Malpractice Insurance); Commercial General Liability five forms including products and completed operations. Accessed 2026-09-16.
6. [Do I need professional liability insurance?](https://www.iii.org/article/do-i-need-professional-liability-insurance) Insurance Information Institute; Professionals expected to meet standards of conduct; E&O name when liability is limited to negligence; specialty coverage not provided under homeowners endorsements, in-home business policies or BOPs. Accessed 2026-09-16.

Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://thegeneralaverage.com/editorial-policy). To suggest a correction, [email The General Average](mailto:thegeneralaverage@spot.insure) with the page URL and supporting source.

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