The Facts About Professional Liability
Professional Liability & Errors and Omissions Insurance
E&O coverage for consultants, real estate professionals, technology firms, and service-based businesses across nine licensed states.
Professional liability insurance — also called errors and omissions (E&O) coverage — protects your business when a client alleges a mistake, missed deadline, or failure to deliver promised services caused them financial harm. Crawford-Hill places E&O coverage for consultants, real estate professionals, technology and IT firms, and other service businesses across all nine licensed states.
Who Needs Professional Liability Coverage
- Consultants and advisory firms
- Real estate professionals and property managers
- Technology and IT services companies
- Architects, engineers, and design professionals
- Any business that provides advice, a service, or a deliverable a client could claim was deficient
What Professional Liability Covers
- Defense costs for claims of negligence, errors, or omissions in professional services
- Settlements and judgments arising from covered claims
- Claims of missed deadlines, inaccurate advice, or failure to perform as contracted
- Often required by client contracts before work can begin
Professional Liability FAQ
A: Covers claims that your business made a mistake, gave faulty advice, or failed to deliver a service as promised — including legal defense costs even if the claim is without merit.
A: No. General liability covers bodily injury and property damage; professional liability covers financial harm caused by errors in the professional services or advice you provide. Most service businesses need both.
A: Depends on your industry and contract requirements. Many client contracts specify a minimum limit — we review your contracts and recommend accordingly.
A: Not usually. Cyber liability is a separate policy. We can package both for businesses that need them.
Call: 720-791-2700 · Email: solutions@crawford-hillinsurance.com · Request a Commercial Quote
