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Professional Liability (E&O)

Professional Liability Insurance (E&O) Cover the Work You Stand Behind

The smart, bundled solution for small and mid-sized businesses that want reliable protection without the complexity.

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Overview

What Is Professional Liability Insurance?

Professional Liability Insurance also known as Errors and Omissions (E&O) Insurance protects your business if a client claims your work caused them financial harm.

Even the most skilled professionals can be sued for mistakes, advice that didn’t deliver results, or services that didn’t meet expectations. This coverage helps cover legal defense costs, settlements, and judgments.

Coverage applies even if you’re not at fault — defending your reputation and finances.

What’s Covered

What Does E&O Insurance Cover?

1
Negligence Claims
Even if unfounded, you’re covered for accusations of careless work or poor advice.
2
Errors & Omissions
Missed deadlines, incomplete deliverables, or simple oversights that lead to financial loss.
3
Misrepresentation
Allegations that your service promises or statements were misleading.
4
Legal Costs & Settlements
Covers attorney fees, court costs, and potential settlements.
5
Breach of Contract
Some policies extend to contract disputes or broken SLAs.
Who Needs It?

Is E&O Insurance Right for You?

If your business offers advice, designs, services, or expertise — this policy is critical.

Common Professions:

  • Consultants & Freelancers
  • SaaS & Tech Developers
  • Marketing & Creative Agencies
  • Financial Advisors & Accountants
  • Engineers, Architects & Legal Professionals
  • HR & Business Coaches
  • IT & Cybersecurity Services
Example Scenarios

Real Situations We Cover

  • A consultant gives strategy advice that causes a client financial loss — and gets sued for negligence
  • A developer launches a buggy SaaS update that results in client downtime.
  • A design agency misses a print deadline for a large trade show, leading to lost revenue.
  • A coach is sued by a client claiming services didn’t deliver expected results.

In each case: E&O helps cover legal fees and protects your business continuity.

Why Choose GlobalPayGuard for Property Coverage?

Built for Modern Professionals

Industry-Specific Policies

Tailored to your actual services and risk profile

COI in Minutes

Easily prove coverage for RFPs, clients, or regulatory filings

Fast Claims Processing

We know time is money

Global & Contractual Compliance

Ideal for international clients and vendor requirements

Bundle with Cyber or Refund Assurance™

Get full risk protection for your services and digital infrastructure
FAQs

How is E&O different from General Liability?
General Liability covers physical incidents (like slips/falls). E&O covers professional mistakes, advice, or omissions that result in financial harm.
Do I need this if I work under a contract?
Yes. Even with a contract, clients can still file claims. In fact, many contracts require E&O coverage.
Does this cover freelancers or solo consultants?
Absolutely. E&O is critical for solo professionals — you’re the brand, and the liability.
Can I customize my coverage limits?
Yes. We offer flexible limits based on your industry, client size, and revenue.

Ready to Protect Your Business & Reputation?

Whether you’re a one-person agency or a growing consulting firm, professional liability is essential.

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