What it covers
- Claims that your professional work or advice caused financial loss
- Defense costs for negligence allegations
- The exposure GL explicitly excludes
Coverage line 09 of 09
E&O / Professional, in plain English.
Covers claims that your professional work or advice caused a client financial loss. It is the exposure general liability explicitly excludes.
When you need it
- You're paid for expertise, advice, design, or services
- Client contracts increasingly require it outright
Common gaps
- Retroactive dates that orphan past work when you switch policies
- Contractual-liability assumptions beyond the policy's scope
- Letting a claims-made policy lapse without tail coverage
Who it's for
- Consultants, technology firms, design professionals
- Anyone whose mistake costs a client money rather than blood or property
This page is general information, not advice about your specific situation, and not a quote, binder, or contract of insurance. Actual coverage is governed solely by the terms, conditions, and exclusions of the issued policy.
Who usually needs it
See E&O / Professional in your industry.
Related reading
Understand it before you buy it.
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