Your guide to
Professional Liability (E&O) Insurance in Texas
If clients rely on your advice, designs or services, a mistake or even an unfounded claim can be costly. Our agency helps you understand how errors and omissions coverage works and whether it fits your work.
What it covers
What professional liability usually covers
Professional liability, also called errors and omissions (E&O), responds to claims that your professional work caused a client financial harm. Terms vary widely by profession and policy.
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Errors and omissions
Helps with claims that a mistake, or something you failed to do in your services, caused a client a financial loss.
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Negligence claims
Can respond when a client alleges you did not meet the standard of care expected in your profession.
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Legal defense
Can help pay attorney fees and court costs for a covered claim, even one without merit. Some policies count defense costs against the limit.
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Missed deadlines
May apply when a client claims a delay or missed deadline in your work cost them money, depending on the policy.
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Prior acts
Some policies can cover claims about work done before the policy started, back to a retroactive date.
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Why it matters
Know how a claims-made policy works
Many professional liability policies are written on a claims-made basis. That generally means the policy in force when the claim is made, not when the work was done, is the one that responds, subject to any retroactive date.
Letting coverage lapse or changing policies can create gaps for past work. General liability usually does not cover these financial loss claims, so we can help you review both and see how they fit together.
If a client contract requires professional liability, check the required limits and terms before you sign.
Who considers it
Professionals who often look at E&O coverage
- Consultants
- Accountants and bookkeepers
- Architects and designers
- Engineers
- IT and tech services
- Marketing agencies
- Real estate professionals
- Property managers
Usually handled separately
- Bodily injury and property damage
- Your own business property
- Employee injuries
- Data breaches
- Medical malpractice
Answers
Professional liability questions
Straight answers to common questions. If yours is not here, call or text our agency.
General liability generally covers bodily injury and property damage claims. Professional liability covers claims that your professional services or advice caused a client a financial loss.
A claims-made policy generally responds to claims made while the policy is active, as long as the work happened after any retroactive date. Keeping coverage continuous helps avoid gaps.
A claim can come from a misunderstanding, not only from a real mistake, and defending it can be costly. We can review the kind of work you do and explain your options.
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Tell us what you need
Your name, a number that reaches you, an email, and a few quick questions about the coverage you pick. Our team reviews it and calls you back.
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Next step
Let’s review your needs to find the coverage that fits you.
Request a quote online, or call or text our agency. If your current policy already fits, we will tell you that too.