Errors and Omissions Insurance

It’s not about your professionalism, training, or years of experience. It’s about human nature. Mistakes happen to the best of us, no matter how experienced.

Yes, you can be sued even if you didn’t do anything wrong.

The simplest clerical error or proofreading mistake (even made by a trainee) can cost you, if it results in financial loss or damage to the reputation of one of your customers.

That’s why it is important to understand the extent of your Business Liability Insurance—it only protects your operation against bodily injury, property damage or advertising injury.

However, what happens when you, one of your employees, or a vendor fails to catch something that your customer doesn’t miss, and they hold you responsible?

They can not only refuse to pay, they may also sue you for damages.

With an Errors and Omissions (E&O) insurance policy, you’ll enjoy specialized liability protection against losses not covered by traditional business insurance.

Who needs E&O insurance?

If you’re in the business of providing services to clients for a fee—doctors, lawyers, accountants, architects, engineers, wedding planners, printers, building-trades contractors, mortgage and real estate services, designers, advertising agencies—if your service is possible to be done incorrectly or late, and it costs your client money or harms their reputation, you need to investigate E&O coverage.

What does E&O cover?

Errors and Omissions protects you from claims in the event a customer or client sues your service business for negligent acts, errors or omissions occurring during business activities, and potentially resulting in a financial loss for the client.

Errors and Omissions insurance policies usually cover the business owner, both salaried and hourly employees, and subcontractors working on behalf of the business.

Errors and Omissions insurance can be customized to meet your specific needs, no matter what your business or industry. Real Estate agents face different risks than printing companies, but both have potential to impact their customers’ lives and livelihoods if a mistake occurs.

Benefits of a specialized E&O policy may also include:

  • Monthly payment options to help spread out your payments so you can better manage your cash flow
  • Coverage of temporary staff, full-time employees, and independent contractors
  • Past work covering unforeseen claims arising from work completed before you were even insured, to a pre-agreed date
  • Worldwide coverage as long as the claim is filed in the U.S., one of its territories or Canada
  • Claims responsiveness when time is of the essence, especially in the event of an insurance claim
  • Tailored coverage for the specific risks of your field and industry
  • Knowledgeable agents who provide exceptional, passionate service
  • Coverage for contracts satisfying most standard contract insurance requirements

Why We're Different

You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for…

While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.

There’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

We’re your neighbors. We protect businesses and people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.

Contact us and let our team of experienced professionals help you to provide the right protections for your farm and business exposures.

Your business is your passion; helping you protect it is ours.

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