E&O vs D&O Insurance: How Do They Differ?
E&O covers claims tied to professional services; D&O covers claims against leaders for their director or officer roles.
A dispute can name both a consultant and a board member, but the policies have different insureds and triggers.
Compare insured-person definitions, entity coverage, capacity language, exclusions, and defense costs. Share bylaws, indemnification terms, and client contracts with the broker.
Coverage Guides Related to Professional Liability, E&O and Tech E&O
Sources for Professional Liability, E&O and Tech E&O Answers
- 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 2026-09-25.
- Directors and Officers insurance. Insurance Information Institute; What D&O covers; What’s excluded? Accessed 2026-09-25.