Professional Liability, also called Errors and Omissions (E&O), protects your business when a client claims your advice, design, work product, or professional service caused them financial loss. If your exposure is they relied on our expertise, E&O is usually the policy that matters most.
Claims that your advice, design, specifications, oversight, or deliverables caused a client to lose money. This is often where General Liability stops and E&O starts.
Even a weak allegation can be expensive to respond to. E&O is designed to handle defence and settlements for covered professional claims.
Professional liability policies vary a lot by industry, insurer, and wording. Many classes are placed through specialized markets and channels. This is where having a broker in your corner makes a real difference.
Stamping, specifying, reviewing, or advising often turns into allegations of professional negligence and financial loss.
Missed requirements, integration failures, downtime allegations, and performance disputes often land in E&O territory.
Advice, filings, reporting, or errors that lead to client losses commonly trigger professional liability claims.
Many salons, med spas, and aesthetic providers need professional liability, and some exposures fall under medical malpractice style coverage depending on services performed.
Stamping, specifying, reviewing, or advising often turns into allegations of professional negligence and financial loss.
Missed requirements, integration failures, downtime allegations, and performance disputes often land in E&O territory.
Advice, filings, reporting, or errors that lead to client losses commonly trigger professional liability claims.
Many salons, med spas, and aesthetic providers need professional liability, and some exposures fall under medical malpractice style coverage depending on services performed.
If you offer professional advice you should have E&O.
E&O Insurance isn't standardized and is often placed through specialized markets. Our professional liability team will help you understand your options so you can feel confident you're protected.
General Liability is usually for bodily injury and property damage to others. E&O is for financial loss tied to professional services, advice, design, or failure to perform. Many businesses need both.
Unlike CGL, professional liability wordings can differ significantly by insurer. Definitions, exclusions, and endorsements can change how claims are handled. We focus on getting the right policy form for your profession, not just a price.
Most E&O is claims-made. That means the policy in force when a claim is made and reported is the one that responds, subject to retro date and reporting rules. We set this up properly and protect continuity when you renew or switch insurers.
General Liability is usually for bodily injury and property damage to others. E&O is for financial loss tied to professional services, advice, design, or failure to perform. Many businesses need both.
Unlike CGL, professional liability wordings can differ significantly by insurer. Definitions, exclusions, and endorsements can change how claims are handled. We focus on getting the right policy form for your profession, not just a price.
Most E&O is claims-made. That means the policy in force when a claim is made and reported is the one that responds, subject to retro date and reporting rules. We set this up properly and protect continuity when you renew or switch insurers.
E&O is powerful, but it's not unlimited. Every E&O form has exclusions and conditions. We'll walk you through what matters for your operations, your contracts, and your client expectations.
Yes. Professional Liability and Errors & Omissions (E&O) are commonly used interchangeably. The key is what professional services are covered and how the policy is structured.
Ready to Work with an Expert?
Get personalized advice and a quote tailored to your specific needs.
Your liability policy is the backbone of your protection, but it isn't a "catch-all" safety net. From professional errors to commercial auto accidents, we explain the 5 things your general policy won't cover—and how to stay protected.
One liability claim can be devastating for an Ontario business. We break down 5 common real-world scenarios, including the Winter Slip-and-Fall and Contractor Overflow, and provide a checklist to help you avoid these costly mistakes.
In construction, your reputation is built on your work, but your business is sustained by your protection. Wherever you work in Durham Region and across Ontario, learn how the Roughley Advantage provides the three critical pillars of contractor insurance to help you win bigger bids.
