Covered Businesses

E&O insurance is to protect  you, your business and your employees for when you provide a service and that the client can state you did an inaquate job, made a mistake or client could claim is inadequate or tied to negligence. For example, if you are a real estate agent, you may find yourself facing a lawsuit if a homeowner finds defects in their new property after closing. This homeowner may allege you did not disclose the defects and try to collect based on the diminished value of the home.

Another example, you are a branding consultant to help revive a struggling company. If the innovative techniques that you employ are not enough to keep the business open, the company’s owner may try to blame you and file a lawsuit.

You are a Home Inspector and it is claimed you missed a crack in the basement that has now leaked the the owners now need to have the foundation repaired.

Employed Legal Professional Liability These may be claims brought by third parties – such creditors, regulators or shareholders – or internal claims brought by other employees or executives.

Bookkeepers/Tax Prep:A sudden change (negative) in the client's financial situation, The client is subject to fraud (and has a lawyer who is looking to sue someone), Bankruptcy of a client, resulting in third parties looking to recoup losses, Errors or miscommunication surrounding taxes (if you prepare tax returns)

No matter how baseless both claims are, they can tie you up in legal fees –something that can be avoided with the purchase of an E&O insurance policy.All service based companies should get affordable errors and omissions to protect your financial future and good health

Type of Professional Office
Advertising Agencies
Appraiser: Personal Property, Equipment
Appraiser: Real Property, Fine Arts
Arbitrator/Mediator
Auctioneers
Beauty Salon
Benefit Plan Administrator
Benefit Plan Consultant
Bookkeeper
Claim Adjustors (Independent Only)
Claim Administrator
Consultants
Court Reporters
Escrow Service
Executive Search Firms
Forensic Analysts (non-medical)
Freight Forwarder
Fund Manager
Home Inspectors
Insurance Inspection Services
Interior Designer
Investment Advisor
Land Surveyor
Life Insurance Agent
Management Consultant
Marine Title Agent/Surveyor
Mortgage Broker
Notary Public
Other*
Printer/Publisher
Property Managers
Public Relations Consultant
Real Estate Agent/Broker
Real Estate Leasing
Tax Preparers (non CPA)
Third Party Administrator
Title Agent/Abstractor
Travel Agent