Errors and omissions insurance, E&O, protects you against a claim that your advice, service, or work cost a client money. It goes by different names depending on the field, professional liability, malpractice insurance, Miscellaneous Professional Liability, but it’s the same coverage underneath. Start with the basics below, or jump straight to your profession.
What Is E&O Insurance, and Why Does It Go By So Many Names?
What E&O is, why it goes by so many names, how claims-made coverage works, and why “not required by the state” rarely means “not needed” in practice. Read the full article →
Do Lawyers, Accountants, Engineers, Architects, and Allied Medical Professionals Need E&O in New York?
Why New York doesn’t legally require this coverage for most licensed professionals, and why clients and contracts fill that gap anyway. What triggers a claim in these fields, and what’s different about disciplinary board exposure for licensed practitioners. Read the full article →
Do Real Estate Agents and Brokers Need E&O Insurance in New York?
New York’s disclosure law changed in a big way in 2024, and fair housing enforcement has real settlement dollars behind it now. What residential agents and brokers are exposed to today. Read the full article →
What Kind of E&O Coverage Do Consultants Need?
Management, marketing, HR, and IT consulting all carry different claim patterns, and technology consulting in particular splits into two very different kinds of risk. What separates advisory E&O from Technology E&O, and which one you need. Read the full article →
E&O Insurance for the Professions People Don’t Expect: Salons, Funeral Directors, Trainers, Financial Advisors, and Dozens More
Salons, funeral homes, personal trainers, financial advisors, and dozens of other professions people don’t expect to need this coverage at all. If your work doesn’t fit anywhere else on this page, this is worth a look. Read the full article →
What Separates a Strong E&O Policy From a Bare-Minimum One?
Not all E&O policies with the same limit protect you the same way. What to check before you commit to a policy, defense cost structure, disciplinary coverage, retroactive dates, and more. Read the full article →
Still Not Sure Where You Fit?
There are dozens of professions that can benefit from E&O beyond what’s covered above. If you’re not sure whether your work qualifies, ask us directly rather than guessing.
We’ve been doing business this way in the Hudson Valley for over 80 years. If you want a straight answer about what your business needs, call us. No phone tree, no pressure, just a straight answer.