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ERRORS & OMISSIONS
Insurance Services

Why Experience Alone Isn’t Enough...

The Importance of Errors & Omissions Insurance: Even with professionalism, training, and years of experience, human nature is unpredictable, and errors happen to even the best of us.

Yes, You Can Be Sued Even When You’re Not at Fault...

A small mistake—a clerical slip-up or a missed detail—can lead to a significant issue, especially if it impacts a client financially or damages their reputation. It’s crucial to understand that standard business liability insurance only covers physical injuries, property damage, or advertising-related claims.

However, if an error on your part or an oversight by an employee leads a client to suffer a loss, you could face lawsuits for financial damages. That’s where errors and omissions (E&O) insurance comes in, offering a specialized layer of liability protection for instances not covered by traditional business policies.

Who Needs E&O Insurance?

E&O insurance is essential for any business where errors or delays can financially affect clients. Common professions that benefit include:

  • Doctors

  • Lawyers

  • Accountants

  • Architects

  • Engineers

  • Event planners

  • Printers

  • Construction contractors

  • Designers

  • Marketing agencies

 

If there’s a chance that a mistake in your service could cost a client money or damage their reputation, consider E&O insurance.

What Does E&O Insurance Cover?

E&O insurance protects against claims that arise when a client sues for errors, negligence, or omissions in your work that could potentially cause financial losses. Coverage generally extends to business owners, employees, and even subcontractors working under your business.

Whether you’re a real estate agent or a graphic designer, E&O insurance can be tailored to fit your industry’s unique needs and risks. Some specialized benefits of an E&O policy include:

  • Flexible monthly payment options to help manage cash flow.

  • Coverage for both temporary and permanent staff, as well as independent contractors.

  • Retroactive protection for past work, covering claims from projects completed before insurance was in place (up to a specified date).

  • Worldwide protection as long as the claim is filed in the U.S., Canada, or its territories.

  • Rapid claims response when timing is critical.

  • Custom coverage to match the specific risks of your profession.

  • Expert support from knowledgeable agents.

  • Coverage that satisfies standard contract insurance requirements.

Why Choose Us?

Choosing the cheapest policy can be tempting, but it often lacks essential protections. Insurance products may look alike in price and function, but policies differ significantly in how they cover specific risks.

We understand there’s no universal policy that suits every business. We’re part of the community, protecting businesses we know and care about, and we take pride in partnering with insurance providers who deliver affordable, responsive protection.

Contact us today, and let our professionals help build a custom E&O policy that shields you and the assets you’ve worked hard to create.

Fall Foliage

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Reach out to us, and let our professionals help you create the strongest possible plan to safeguard what you’ve worked so hard to build.

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