Professional Liability Insurance

No. General liability does not cover professional errors.

Turnaround varies by industry and carrier requirements. We will confirm timing after review.

Yes. Cyber endorsements can be added for data incidents.

We can include subcontractor coverage where needed.

Some policies can cover certain delays depending on terms.

Limits depend on contract requirements, revenue, and risk profile. We can recommend options based on your needs.

Professional liability is usually separate from BOP coverage.

They are the same product. E&O (errors and omissions) is the term used in technology, consulting, and financial services. Professional liability is the broader term used across all industries. Both refer to a claims-made policy that covers third-party claims arising from your professional services.

Coverage for independent contractors varies by policy form. Some policies extend coverage to contractors working under your direction; others exclude them entirely. If you use subcontractors, tell your agent. The policy must be structured to reflect your actual work model or claims can be denied.

Professional liability policies are written on a claims-made basis, meaning the policy in force when the claim is reported (not when the work was done) responds to claims. Retroactive dates determine how far back coverage extends. An extended reporting period (ERP or tail) can keep coverage active after a policy expires or is cancelled.