when advice is the product.
If clients pay for your expertise — consulting, design, bookkeeping, real estate, IT, marketing — general liability won't cover the claim that your work itself caused a loss. That's professional liability (errors & omissions).
10+ carriers compared
professional liability (e&o), done right.
negligence & errors
The deliverable was late, wrong or harmful — alleged or actual. E&O defends and pays.
defense costs
Even meritless claims cost five figures to make go away. The policy carries that.
contract compliance
Client and platform contracts increasingly require E&O — we match the certificate to the contract.
good to know, colorado edition.
Claims-made matters: E&O covers claims made while the policy is active, so canceling after a project ends can void protection for past work. Continuity and tail options are where an advisor earns their keep.
price it for me →
asked constantly.
GL vs E&O — don't I have this already?
No. GL covers bodily injury and property damage; E&O covers financial harm from your professional work. Service businesses generally need both.
What does E&O cost for a small consultancy?
Commonly $500–$2,000/year at typical revenues, varying with industry and limits. Contracts often dictate the limit — bring the contract.
What's a 'tail' policy?
Extended reporting coverage for claims arriving after you cancel or retire — essential when closing or selling a practice. Ask before, not after.
two minutes to real numbers.
Free professional liability (e&o) comparison across 10+ carriers — in English, Español, 한국어 or မြန်မာ.