Consultants E&O (Professional Liability)
Coverage for financial loss to clients caused by your advice, services, or errors.
Who Needs It
- Management, HR, marketing, and financial consultants
- Coaches, trainers, and advisors with paid engagements
- Anyone whose client contract requires professional liability
What It Covers
- Negligence, errors, and omissions in services rendered
- Defense costs
- Breach of contract related to services on many forms
- Media and personal injury from content
What It Does Not Cover
- Bodily injury and property damage
- Guarantees of results
- Fee disputes on most forms
- Services outside the declared specialty
Texas Notes
Texas consultants serving energy and construction clients face contract requirements for $1M–$2M E&O.
Florida Notes
Florida's high verdict climate makes E&O important even for solo consultants.
Consultants E&O (Professional Liability) Questions We Hear Most
Does GL cover my advice?
No. GL covers injury and property damage. Financial loss from advice is E&O, a separate policy.
Does a prior claim mean I can't get coverage?
Rarely. Carriers price and underwrite on frequency and severity over three to five years. One closed claim usually narrows the market slightly; a pattern narrows it a lot. Tell us everything up front; an undisclosed claim found at binding is worse than a disclosed one.
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