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Professional liability insurance, often called errors and omissions or E&O, covers claims that your professional work, advice, or service caused a client financial harm. It is essential for businesses that are hired for their expertise.
Typical claims involve a mistake, an oversight, missed deadline, or advice that a client says cost them money. The policy generally pays for legal defense and settlements, even when the claim turns out to be unfounded, since defending yourself still costs money.
General liability handles physical injuries and property damage. Professional liability handles financial harm from your professional performance. A consultant who gives flawed advice, or an agency that misses a deliverable, faces the second kind of claim, not the first.
Consultants, accountants, agencies, designers, IT providers, and many other service businesses benefit from E&O. Clients often require it by contract before they will engage you.
If clients pay you for your judgment, E&O protects you when they question it. Explore business insurance options or start a quote.
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