Combines failure of technology services/products with data/privacy, network security, and media liability. Good fit for SaaS, MSPs, and integrators.
If your work involves advice, design, or specialized services, a simple general liability policy isn't enough. E&O helps protect you from claims of professional negligence, errors, or omissions that cause your client a financial loss.
Forms vary by profession and insurer. We'll place coverage that aligns with your services and contracts.
Some regulated professions use mandated providers or special schemes-no problem, we'll coordinate or place alternatives where permitted.
| Term | What it means | Why it matters |
|---|---|---|
| Per claim limit | Max the policy will pay for one claim | Common: $1M-$5M; contracts may dictate minimums |
| Aggregate limit | Max for all claims in the policy year | Heavy defense activity can erode aggregate quickly |
| Deductible / Self‑Insured Retention (SIR) | Your share per claim; SIR may require you to fund defense upfront | Choose an amount that fits cash flow & risk tolerance |
| Defense inside vs. outside limits | Inside limits means legal costs reduce the limit; outside preserves it | Outside is preferable but less common and may cost more |
| Territory & jurisdiction | Where acts occur vs. where suits can be brought | Cross‑border work (USA) often needs specific extensions |
Combines failure of technology services/products with data/privacy, network security, and media liability. Good fit for SaaS, MSPs, and integrators.
For design‑build or where advice, drawings, or design delegation are part of a contractor's scope-pairs with CGL and Builder's Risk.
Coverage for defamation, copyright/trademark infringement in published content-important for agencies, publishers, and creators (forms vary).
Addresses your liability for subs; you should still require their own E&O and collect certificates.
May cover legal costs responding to investigations or complaints by a regulator or association (limits/sub‑limits apply).
CGL covers bodily injury and property damage to third parties. E&O covers financial loss arising from your professional services (advice/design). Many businesses need both.
You could lose your retroactive date. Claims from past work may no longer be covered. Avoid gaps or purchase an extended reporting period (tail) if closing or retiring.
Usually no-E&O differs from CGL. Some forms offer limited client coverage or vicarious liability wording, but it's not standard. We'll align your certificate with what the insurer allows.
Pure breach is often excluded, but many policies include a negligent performance carve‑back where negligence leads to a contract claim. Wordings vary-send us the clause for review.
Frequently inside, which means legal costs reduce the limit. Some policies offer outside (in addition to) limits at extra cost.
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