Consultants and Agencies
Marketing, management, HR, operations, and creative firms can face claims around missed deadlines, failed campaigns, bad advice, or deliverable disputes.
Professional Liability and E&O
Protection when advice, services, or deliverables are the risk.
General liability is not designed for professional mistakes. Bollinsure helps California service businesses review E&O, technology E&O, client contract requirements, retroactive dates, cyber overlap, and limits that match the actual exposure.
Who needs E&O
Professional liability is for financial-loss claims, not slip-and-fall claims.
If clients rely on your advice, plans, recommendations, analysis, systems, creative work, or deliverables, E&O may be the policy that responds when a client alleges your work caused financial harm.
Technology Firms
SaaS providers, IT consultants, MSPs, developers, and data firms often need technology E&O paired with cyber liability.
Design Professionals
Architects, engineers, designers, and specialty consultants need coverage that reflects professional services and project contract wording.
Financial Professionals
Bookkeepers, accountants, tax preparers, and financial consultants should review E&O, cyber, crime, and contract requirements together.
Staffing and Recruiting
Placement errors, negligent hiring allegations, employment-related claims, and client contract requirements can create blended coverage needs.
Health and Wellness
Non-medical wellness, coaching, and advisory businesses should confirm whether professional services are excluded from GL.
Coverage design
The details matter more than the label.
Two E&O policies can look identical on a certificate and respond very differently during a claim. We review policy structure and exclusions before comparing price.
Define the services. The application should match what you actually do, not just a broad industry label.
Review claim triggers. Claims-made coverage, retroactive dates, prior acts, and extended reporting periods matter.
Match the contract. We compare limits, additional insured requests, waiver wording, and cyber requirements.
Related coverages
E&O rarely sits alone.
Most professional service firms need a broader commercial stack, especially when contracts combine general liability, E&O, cyber, workers' comp, and umbrella requirements.
FAQ
Professional liability questions.
Is professional liability the same as E&O?
Often, yes. Professional liability and errors and omissions insurance both refer to coverage for claims alleging professional services, advice, or deliverables caused financial harm.
Does general liability cover professional mistakes?
Usually no. General liability is mainly for bodily injury, property damage, and advertising injury claims. E&O is designed for professional service allegations and financial loss.
What is a retroactive date?
It is the earliest date from which covered professional acts may be considered. Moving or losing a retroactive date can create a serious gap in claims-made coverage.
Should technology companies buy cyber or technology E&O?
Many technology firms need both. Cyber addresses data and security events, while technology E&O addresses service failures, product errors, or failed deliverables. Some carriers package them together.
Unsure whether GL, E&O, or cyber applies?
Send your contract and current policies. We will help map the exposure before shopping coverage.