It’s not about your professionalism, training, or years of experience. It’s about human nature. Slip-ups happen to everyone, no matter how experienced.

Yes, you can be sued - even if your actions were not malicious. The simplest clerical error or proofreading mistake (even one made by a trainee) can cost you, especially if it results in financial loss or damage to the reputation of one of your customers. That’s why it’s important to understand the extent of your business liability insurance, since it only protects your operation against bodily injury, property damage or advertising injury.

What happens when you, one of your employees, or a vendor fails to catch something that your customer doesn’t miss - and they hold you responsible? They can not only refuse to pay, but may also sue you for damages.

With an errors and omissions (E&O) insurance policy, you’ll enjoy specialized liability protection against losses not covered by traditional business insurance.

Who needs E&O insurance?

  • Doctors
  • Lawyers
  • Accountants
  • Architects
  • Engineers
  • Wedding planners
  • Printers
  • Building-trades contractors
  • Designers
  • Advertising agencies

if your service has the potential to be done incorrectly or late, and it costs your client money or harms their reputation, you should consider E&O insurance.

What does E&O Insurance cover?

E&O insurance policies usually cover the business owner, salaried or hourly employees and subcontractors working on behalf of the business. This kind of policy protects you if a customer sues your business for negligent acts, errors or omissions occurring during operations that could result in a financial loss for the client.

E&O insurance can be customized to meet your specific needs, no matter what your business or industry. Real estate agents face different risks than printing companies, but both have the potential to impact their customer's lives and livelihoods if a mistake occurs.

Benefits of a specialized E&O policy may also include:

  • Monthly payment options so you can better manage your cash flow
  • Coverage of temporary staff, full-time employees and independent contractors
  • Past work, covering unforeseen claims arising from work completed before you were even insured, to a pre-agreed date
  • Worldwide coverage as long as the claim is filed in the U.S., one of its territories, or Canada
  • Claims responsiveness when time is of the essence, especially in the event of an insurance claim
  • Tailored coverage for the specific risks of your field and industry
  • Knowledgeable agents who provide exceptional, personalized service
  • Coverage for contracts that satisfies most standard contract insurance requirements

What to expect from our company

We’re your neighbors. We protect businesses we know and care about, and that means we always look for ways to protect you better. At our agency, you’ll speak with an experienced insurance professional whose goal is to design a policy that is appropriate for your business. We are here to make sure you can get the right coverage for your needs, and to answer any questions you may have.

Why we're different:

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.

After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

Contact us today, and we'll work with you to help you protect what matters most.


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