--- title: "The Hartford Professional Liability (E&O) Insurance" description: "Everything to know before buying The Hartford Professional Liability (E&O) Insurance: what it covers, who it’s for, and its limits and retentions." canonical: "https://thegeneralaverage.com/insurance-providers/the-hartford/professional-errors-omissions" page-type: "offering-page" updated-at: "2026-09-23" provider: "the-hartford" coverage-line: "professional-errors-omissions" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://thegeneralaverage.com/insurance-providers/the-hartford/professional-errors-omissions) ## Agent Guide **What this page is:** What The Hartford Professional Liability (E&O) Insurance covers, who it fits and what to confirm before buying, drawn from the provider's public documents. **Use this page when:** Cite this page for The Hartford Professional Liability (E&O) Insurance specifically. For the general coverage explainer use /coverage/professional-errors-omissions; for the provider overall use its profile. **Questions this page answers:** - Does The Hartford Professional Liability (E&O) Insurance offer this coverage? - What does The Hartford Professional Liability (E&O) Insurance cover and exclude? - Who is The Hartford Professional Liability (E&O) Insurance designed for? **Key facts:** - Provider slug `the-hartford`; coverage line `professional-errors-omissions`. - Start with the Quick Answer; the at-a-glance table shows which topics the sources document. Facts are grouped by topic under their own headings, and what the sources do not disclose is listed in its own section. **Limits (do not over-claim):** - Summarises public product descriptions; actual coverage is defined by the issued policy wording and endorsements. - Availability varies by state, industry and underwriting. - Not insurance, legal or financial advice, and not a quote, binder or offer of coverage. - Eligibility, pricing, limits, exclusions and policy wording depend on the issuing insurer and the buyer's risk; confirm them with the provider before buying. **Provenance:** Based on the dated public sources listed under Sources on the page; updated 2026-09-23. **Related pages:** - [Provider profile](https://thegeneralaverage.com/insurance-providers/the-hartford) — parent: provider profile # What Does Professional Liability (E&O) Insurance from The Hartford Cover? Product: The Hartford Professional Liability Insurance (Errors & Omissions). Provider: The Hartford. Coverage line: Professional Liability (E&O) Insurance. ## Quick Answer The Hartford offers professional liability (E&O) insurance to businesses such as accountants, consultants, designers and technology and healthcare professionals, covering mistakes in services. [1](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") ## The Hartford Professional Liability (E&O) Insurance at a Glance | Topic | Evidence | Claims | | --- | --- | --- | | Role in This Line | Company-reported | 1 | | Who It’s For | Company-reported | 1 | | Coverage Features | Company-reported | 1 | | Limits and Retentions | Company-reported | 1 | ## What Is The Hartford’s Role in Professional Liability (E&O) Insurance? - The Hartford's professional liability insurance, also called errors and omissions (E&O) insurance, protects businesses when they make mistakes in the professional services provided to clients, including claims that turn out to be baseless. [1](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: Professional liability product page as read 2026-09-23.) ## Who Is The Hartford Professional Liability (E&O) Insurance For? - The Hartford targets professional liability at businesses that sign contracts requiring coverage, offer professional services directly to customers, or regularly give advice to clients, and lists industries it covers: accountants, consultants, interior designers, advertising agencies, graphic designers, technology professionals and healthcare professionals. [1](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: Professional liability product page as read 2026-09-23.) ## The Hartford Professional Liability (E&O) Coverage Features - The Hartford says the policy can cover claims of negligence, misrepresentation, inaccurate advice, personal injury (libel/slander) and copyright infringement, plus defense costs. Many of its professional liability policies are written on a claims-made basis with a retroactive date and an extended reporting period (typically 30-60 days, extendable to a year or more for an added cost), though some are written on an occurrence basis. [1](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: Professional liability product page as read 2026-09-23. General coverage and policy-form description; the issued policy controls.) ## The Hartford Professional Liability (E&O) Limits and Retentions - The Hartford publishes average minimum monthly premiums by product: Misc. Professional Liability Standalone $62, Misc. Professional Liability Endorsement $41, Architects and Engineers Professional Liability $239, Healthcare Professionals Professional Liability $38, and Errors & Omissions Insurance for Technology Companies $146. The page does not publish standard coverage limits or retentions; cost and limits are set at quote. [1](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: Company-reported pricing as of 2026-09-23 (page last updated by The Hartford May 4, 2026); premiums are not coverage limits.) ## The Hartford vs Other Professional Liability (E&O) Insurance Providers - [The Hartford vs AIG](https://thegeneralaverage.com/compare/aig-vs-the-hartford) - [The Hartford vs Alliance Risk](https://thegeneralaverage.com/compare/alliance-risk-vs-the-hartford) - [The Hartford vs Aon](https://thegeneralaverage.com/compare/aon-vs-the-hartford) - [The Hartford vs At-Bay](https://thegeneralaverage.com/compare/at-bay-vs-the-hartford) - [The Hartford vs The Baldwin Group](https://thegeneralaverage.com/compare/baldwin-vs-the-hartford) - [The Hartford vs Beazley](https://thegeneralaverage.com/compare/beazley-vs-the-hartford) ## Other Coverage Lines From The Hartford - [The Hartford Business Owner’s Policy](https://thegeneralaverage.com/insurance-providers/the-hartford/business-owners-policy) - [The Hartford Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/commercial-auto) - [The Hartford Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/commercial-property) - [The Hartford Crime Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/crime) - [The Hartford Cyber Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/cyber) - [The Hartford D&O Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/directors-officers) - [The Hartford Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/employment-practices) - [The Hartford Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/fiduciary) - [The Hartford General Liability Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/general-liability) - [The Hartford Hired and Non-Owned Auto Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/hired-non-owned-auto) - [The Hartford Inland Marine Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/inland-marine) - [The Hartford Kidnap and Ransom Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/kidnap-ransom) - [The Hartford Management Liability Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/management-liability) - [The Hartford Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/technology-errors-omissions) - [The Hartford Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/umbrella-excess) - [The Hartford Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/the-hartford/workers-compensation) ## Rankings That Include The Hartford - [Best Professional Liability (E&O) Insurance for Consultants](https://thegeneralaverage.com/best/professional-errors-omissions/consultants) - [Best Professional Liability (E&O) Insurance for Healthcare Providers](https://thegeneralaverage.com/best/professional-errors-omissions/healthcare-providers) - [Best Professional Liability (E&O) Insurance for Marketing Agencies](https://thegeneralaverage.com/best/professional-errors-omissions/marketing-agencies) ## Related Reading - [The Hartford Profile](https://thegeneralaverage.com/insurance-providers/the-hartford) - [The Hartford Reliability](https://thegeneralaverage.com/insurance-providers/the-hartford/reliability) - [The Hartford Alternatives](https://thegeneralaverage.com/insurance-providers/the-hartford/alternatives) - [Coverage Guide: Professional errors and omissions (E&O)](https://thegeneralaverage.com/coverage/professional-errors-omissions) ## Sources for The Hartford Professional Liability (E&O) Insurance 1. [Professional Liability Insurance Coverage](https://www.thehartford.com/professional-liability-insurance). The Hartford; What Is Professional Liability Insurance Coverage?; What Does Professional Liability Insurance Cover?; Who Needs Professional Liability Insurance Coverage?; How Much Does Professional Liability Insurance Cost?; How Does Professional Liability Insurance Work? (claims-made vs. occurrence). Accessed 2026-09-23. ## How to Cite This Page The Hartford Professional Liability (E&O) Insurance: Coverage, Eligibility & Limits (2026). The General Average, updated 2026-09-23. https://thegeneralaverage.com/insurance-providers/the-hartford/professional-errors-omissions. Quote the claim with its numbered source; the issued policy wording, not this page, defines coverage. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://thegeneralaverage.com/editorial-policy). 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