The Ins and Outs of Errors and Omissions Insurance

By Glenda Wertz | July 19, 2004

  • September 18, 2007 at 12:01 pm
    ashish says:
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    This is one of the simplest explanations for E&O .Exmaples make the understanding easier .Thanks

  • October 2, 2007 at 6:00 am
    elsa says:
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    I appreciate your comments on this subject, I’m about to open and auto insurance office in Watsonville California, and very confused on every thing I need to do and why, but this really helped me understand, if you have someone bilingual spanish that I can call for the e and o insurance I am a new agent I have 10 years experience in Mexico and got my license here since Febuary, running out of time and money. need to get to work asap.
    Thank you
    ELSA

  • October 6, 2007 at 8:05 am
    ruth alao says:
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    am opening a halfway house in New Jersey. did l need the E&O insurance before l open my halfway house.

    thank you
    ruth alao

  • October 16, 2007 at 6:54 am
    Chris Smith says:
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    Hi There –

    Great Info, I am working for an Attorney &
    he is expanding his business & would like
    to get a Quote from you on E&O Ins, if that
    is possible.

    He practices in Calif & he also is a Real
    Estate Mortgage Broker.

    Would you have a web-site you could steer
    me to for Forms?

    Let me know.

    Thanks,
    Chris Smith
    csmith4re@yahoo.com

  • November 13, 2007 at 11:42 am
    Debra Rothschild says:
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    Thanks! Answered it all!

  • December 10, 2007 at 7:17 am
    Giovanni Livolti says:
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    Hi i just passed my p&c 220 licensure exam. I want to open my own renters insurance co. but do not have the money to pay thousands of dollars for e@o insurance. My question is who will insure me for an inexpensive rate, oh and i am a one man operation. help please. Thanks

  • December 23, 2007 at 11:44 am
    Jack says:
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    I am an Tax Preparer and an Enrolled Agent and subscribe to E&O insurance. As a mortgage broker I subscribe to a $50,000 bond and now I am a licensed RE Broker where the Association of Realtors want me to subscribe to their E&O Insurance. Isn’t there a way to be covered under one umbrella policy?

  • January 6, 2008 at 3:24 am
    Luiz says:
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    The article about E&O was clearly for the underwriters and brokes for sell the kind of insurance!
    I’ve worked for 03 years in Brazil and the reality changed and the knowledge and experiences around the world are very appreciated to me!
    I hope read more articles soon and it you want know more about brazilian market insurance, write in my e-mail!
    Regards!

    Luiz

  • January 10, 2008 at 2:45 am
    rita says:
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    I need E&O so I’m looking for a company that may provide the insurance. Are they all about the same price does it make sense to shop around? Does it really matter. Please advise. I live in the DC metro area.

  • January 16, 2008 at 11:41 am
    Jeanna says:
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    I have been advised to incorporate my company by my attorney and CPA, which I am in the process of now. I also need to have erors and omissions insurance but I am unable to find someone in this area that provides it. Do you know any agency in the Fremont California area that does.

  • February 24, 2008 at 11:19 am
    Steve says:
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    Great article. I have been advised by a company that I want to provide consulting services to that I need “liability insurance” (errors and omissions). The specific field is naval/marine engineering with a specific focus on fire protection systems.

    How do I find E&O insurance companies that would be interested in providing coverage?

    steve

  • March 5, 2008 at 11:43 am
    John Gibson says:
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    I sub-contract to a particular HR training company (mostly in diversity and prevention of sexual harassment training) delivering their trainings. They are now requesting that I obtain E&O insurance. I live in NM but train throughout the US. Could you let me know of sources I could get quotes from? Many thanks, John Gibson.

  • April 27, 2008 at 6:08 am
    John says:
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    Where can I find reasonable E&O/D&O insurance for a 503(c) non-profit, in the state of Colorado? Please note that our mission is working with youth, so any expenses such as insurance, is less money available for our programs.

  • April 30, 2008 at 8:35 am
    Tom Noteboom says:
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    Hi Glenda,

    Thanks for the article. I work with small business and their bankers as a consultant and coach. What do I need?

  • April 30, 2008 at 9:58 am
    Heather says:
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    Hello.
    I am starting a home based travel agency.
    Do you think I need E&O insurance?
    I received a quote and it is quite high.
    Any thoughts?
    Thanks

  • May 2, 2008 at 6:10 am
    Frank DiPasquale says:
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    Hello, I am starting a financial planning business and realize that I need E&O insurance. Since it is a one man business out of my home I cannot afford high priced insurance to start. Where can I get the insurance that I need and how much should I expect to pay

    thanks,
    Frank

  • May 8, 2008 at 6:20 am
    Andrea says:
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    John,

    Most E&O’s should not vary depending on where you travel. That is why the verbiage is so critical and there is not a one size fit all sort of thing. If you are still looking, I will be more than willing to help you. Please just drop me an email.

    Andrea
    agreen@gbma.net

  • May 22, 2008 at 12:04 pm
    James says:
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    John…I’m in same (training) business working as a subcontractor to a consulting firm. Did you get your questions answered? If so, would you share you new-found knowledge with me?

    Thanks, James

  • June 16, 2008 at 8:56 am
    Joel says:
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    My 19 yr old son wants to start working as an apprentice for a friend of mine that owns his own real estate inspection service.He will be paid as an independent contractor w/ a 1099 to release the friend’s business liability of paying for insurance, taxes, health, worker’s comp, etc.
    Now the friend wants my son to take out a $100K E&O policy and we are finding it to be quite expensive. I realize my friend’s situation and wanting to limit his own liability and risk but is there a better way to accomplish this? It seems my son is the one left out here. He will have to file his own taxes, has no medical coverage, and will have to pay for an insurance policy in case he makes a mistake that my friend doesn’t catch.
    What if my son falls off a house and suffers a severe injury? Any suggestions?

  • June 17, 2008 at 7:33 am
    Jamie Dunnam says:
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    Great article- I am breaking away from an existing agency and have been licensed for 10yrs. I will be takening a book of Helath/Life and P&C with me. Do you have any reccomendation for a carrier in Florida.

  • June 17, 2008 at 2:09 am
    Key says:
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    Can you tell me what the average annual premium is for E&O insurance for a real estate broker? Trying to create a budget.

  • June 24, 2008 at 5:25 am
    Cheryl says:
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    We have been told we need to carry E&O but we mow lawns. Can you explain how those 2 are linked?

  • July 9, 2008 at 9:06 am
    Rhe says:
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    I am a Graphic Designer and I am wondering if it is a necessity to have e & o insurance. How much does it run?

  • August 27, 2008 at 1:43 am
    Annette says:
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    Thank you for publishing such a great article. It definately is a good training mechanism.

    We have a subsidiary who is in the domestic transportation brokerage business, but recently decided to expand into Int’l Freight Forwarding. They will just be typing up the Bill of Lading, their name will not be on the documents, just the shippers name and customers name (who contracted our assistance). We need to obtain Freight Forwarder E&O – on the documentation side. I believe the lowest limit is $250K w/$50K deductible, can you confirm? As well, what type of costs should we look to pay. Some carriers want to charge excessive amounts, i.e.; anywhere from $18K – $32K, but it is more insurance than I believe we need for the services we will be providing. I was told Freight Forwarder E&O policies start at $3K+ for documentation only. Can you please shed some light on this type of coverage and advise who the top carriers would be for this industry?

    Thanks!

  • September 9, 2008 at 12:53 pm
    Susan Pavlich says:
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    I am a licensed P&C agent in Texas however I will not be sellng insurance. I will be selling commercial surety bonds. To get going and start selling to my customers I need to be appointed by a surety company & that is attainable but the surety is telling me I need E&O insurance. Again I am starting up so how much will it cost for the E&O & who sells it?

  • October 4, 2008 at 2:50 am
    Rory says:
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    I’m looking to start my own home inspection business, I hear so much about E&O insurance. What’s the best way to find a insurance company for the beginner? Also, what should I expect to pay in the beginning? Thanks!

  • October 7, 2008 at 3:04 am
    Paul Lijeski says:
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    I am an Independent Agent Life & Health Agent in Florida.
    How do I find a list of people who write E & O Insurance for FL?

  • October 17, 2008 at 11:36 am
    Maria Elena says:
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    Do you know an error and omission agency in the State of New Jersey? Your prompt response it is greatly appreciated.

  • November 16, 2008 at 7:29 am
    lg says:
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    Would this be the appropriate coverage for an independent insurance agent who works from home and only sells life insurance and final expense plans?

  • February 17, 2009 at 3:40 am
    Yvonne says:
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    Does the texas department of insurance require you have E&O insurance to start your own independant insurance agency? If so do they require you carry a certain amount?

  • February 25, 2009 at 10:30 am
    Doug says:
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    We have a small business and have had E & O coverage for many years and have never had a claim. We understand and appreciate the need for it. The real problem with this type of insurance is if you have a large claim toward the end of the policy year you will never get insurance again (or you will never be able to afford insurance again). If it happens that you have another claim, you may well be out of business. So it most cases you will get one claim only even if you have 20 years of no claims. I wish E & O insurance were sold in policy periods of 3 years, where the policy could not be canceled for 3 years. I would be willing to pay 30% more per year for this type of coverage. Does it exist?

  • March 17, 2009 at 11:25 am
    Peter Pell says:
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    What kind of language in the policy that hold the policy holder harmless of liability.
    example showing a property and a man falls in a hole the property owners sues the realtor. ???

  • March 20, 2009 at 8:57 am
    Bill says:
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    I see that the policy generally covers claims by clients whom you provide a service to. Does it also cover claims made by an ex employee who was allegedly defamed by a current employee in the course of her real estate job.

  • March 23, 2009 at 2:00 am
    Anirudh says:
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    We need to buy an E&O policy.
    Please if someone can provide us with the quotation.

    Regards
    Anirudh

  • March 23, 2009 at 8:38 am
    Carl says:
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    I see a lot of questions…but NO answers

  • June 24, 2009 at 6:25 am
    KATTY says:
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    We need to buy an E&O policy.
    Please if someone can provide us with the quotation… WE ARE IN NEVADA ….

  • July 11, 2009 at 9:20 am
    Ann Marie says:
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    Ineed errors and omissions insuurance for real estate research. Must be admitted in the state of California. For small start up business. Contracts require $1,000,000 worth of coverage. Please contact me.

  • July 12, 2009 at 8:58 am
    T says:
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    what does a policy cost and can you get different amounts of coverage

  • September 2, 2009 at 1:14 am
    Ian says:
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    I recently decided to go Independent. My previous carrier provided their own E&O insurance. When I decided to make the switch I needed a new policy immediately as to not incur a lapse in my coverage(If you are not aware of what an E&O Lapse could result to, see article: tinyurl.com/eolapse) I found a provider who offered a click and bind policy that I was able to print the same day!

  • September 2, 2009 at 1:15 am
    Ian says:
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    I recently decided to go Independent. My previous carrier provided their own E&O insurance. When I decided to make the switch I needed a new policy immediately as to not incur a lapse in my coverage(If you are not aware of what an E&O Lapse could result to, see article: http://tinyurl.com/eolapse) I found a provider who offered a click and bind policy that I was able to print the same day! http://www.eoforless.com

  • September 8, 2009 at 2:13 am
    Michael says:
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    I am starting up an independent insurance agency, and am looking for an E&O policy from a solid company, and at a reasonable cost. All help is greatly appreciated.

  • September 11, 2009 at 2:55 am
    AgentSurfer says:
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    Hey Micheal. This is a great program. If you’d reply back, I’d like to get your thoughts –> http://www.EOforLess.com

  • November 4, 2009 at 3:23 am
    Barry says:
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    I have read 13 of the comments on this discussion board and have not seen a single answer to ANY of the questions. I need to apply for E&O coverage and am in the discovery stage. How do I view the answers to the questions in the above thread?

  • January 2, 2010 at 1:21 am
    Veronica says:
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    Hello Barry,

    I am an insurance broker who specializes in Errors and Omissions Insurance. I would be happy to answer any of your questions over the phone, as well as provide you with some quotes for your company. I shop with over a dozen A-rated underwriters who compete for your business. Even if you do not want a quote, I would still be able to answer your questions and maybe provide you with some extra knowledge of the industry.

    Please feel free to call me at 916-281-8078 or toll free at 888-777-7108. Also, my email is veronicagonzales7@yahoo.com.

    Thanks and talk to you soon!

    Veronica Gonzales
    p.888-777-7108
    f. 916-774-1522
    License#: 0G20328
    http://www.blackinkinsurance.com

  • February 7, 2010 at 7:04 am
    Kirpal Multani says:
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    I am licensed insurance broker in Ontario Canada who specializes in Errors and Omissions Insurance. Please feel free to call me to answer your questions or e-mail me kirpal1@gmail.com
    Thanks,
    Kirpal Multani
    Tel 416-728-6806
    Toll Free : 1-888-400-4814

  • March 2, 2010 at 5:49 am
    Mike Smith says:
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    Axis Insurance Services can help you find the appropriate E&O insurance for your company. You can contact them as follows:

    Axis Insurance Services LLC
    http://www.axisins.com
    msmith@axisins.com
    201-847-9175

  • March 24, 2010 at 8:45 am
    Mpiap says:
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    We are a inspection company looking for a competitive rate on E & o recently required by my client.

  • March 27, 2010 at 2:29 am
    Larry Mehringer says:
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    I considering starting a consulting company next month and would like a quoation on E and O insurance.

    Please contact me via my email address.

    Thanks,

    Larry

  • April 6, 2010 at 7:38 am
    Maura Perkins says:
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    Please contact me to discuss your business insurance nees further. I have many carriers available for E&O.

    Maura Perkins

    MKNI
    800 S. Broadway, Suite 450
    Walnut Creek, CA 94596
    888-654-8884 Ext. 1
    License #0806264

  • April 15, 2010 at 7:40 am
    d probst says:
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    I am starting a small consulting company and would like to get a quote on professional liability insurance.

  • June 1, 2010 at 4:02 am
    Ryan says:
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    Agency location is in Oregon.

    Feel free to call at 503-473-3111 thanks

  • June 29, 2010 at 8:15 am
    Don says:
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    Please advise on e&o quote , thank you.

  • June 30, 2010 at 1:01 am
    Maura Perkins says:
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    Hi Don:

    Please feel free to contact me should you need and E&O Quote.

    Maura Perkins
    MKNI Insurance Services
    800 S. Broadway, Suite 450
    Walnut Creek, CA 94596
    888-654-8884 Ext 1
    email: mperkins@mkni.com
    License #0806264

  • July 9, 2010 at 11:47 am
    Alice says:
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    I’m in florida I need E&O. I just got my license. I have work for insurance company 1 years, but it was 8 years ago.

  • August 9, 2010 at 4:11 am
    jp says:
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    LIMITS of LIABILITY (Defense Costs Outside the Limits):

    $1,000,000 per coverage
    $3,000,000 each named certificate holder

  • August 26, 2010 at 4:55 am
    Barbara Pruehs says:
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    In condo situation with Board Members having E&O Ins., can insurance be expected to pay losses resulting in an embezzlement situation when the board failed to make sure the Property Management Co. was bonded?

  • October 14, 2010 at 1:39 am
    Julia E. says:
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    Hello! I just starting a consulting company which will focus on business and immigration consultation. Please email me with a quote

  • October 14, 2010 at 1:47 am
    Julia E. says:
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    What I meant to say is

    Hello! I AM just starting/just STARTED a consulting company which will focus on business and immigration consultation. Please email me with a quote

  • October 14, 2010 at 2:41 am
    Veronica Gonzales says:
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    Hello Barry,

    I am an insurance broker who specializes in Errors and Omissions Insurance. I would be happy to answer any of your questions over the phone, as well as provide you with some quotes for your company. I shop with over a dozen A-rated underwriters who compete for your business. Even if you do not want a quote, I would still be able to answer your questions and maybe provide you with some extra knowledge of the industry.

    Please feel free to call me at 916-281-8078 or toll free at 888-777-7108. Also, my email is veronicagonzales7@yahoo.com.

    Thanks and talk to you soon!

    Veronica Gonzales
    p.888-777-7108
    f. 916-774-1522
    License#: 0G20328
    http://www.blackinkinsurance.com

  • November 10, 2010 at 7:57 am
    Mel says:
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    I am looking at starting my own insurance agency in Florida. I would like to get an estimate for E&O insurance.

  • December 2, 2010 at 7:01 am
    LINDA says:
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    I have been a Title Insurance agent for 6 years and last year had a claim that was settled because my carrier did not want the expense of a trial even though it was documented I was not at fault. As a result my premium went from $6000,to $15,000 to $31,000!!! for my renewal. Is there any hope?????

  • December 3, 2010 at 10:00 am
    Dahyabhai P. Prajapati says:
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    I need E & O for P & C, and Life & Health

    I am holding all the licenses since 1992 and starting new agency office.

    Please send me information on my above e-mail.

    Thanks

  • January 7, 2011 at 12:52 pm
    Andrew Wong says:
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    E&O insurance for accountants, architects, engineers, and mortgage brokers is available from CB Malaga Insurance Services.

    http://www.cbspecialty.com
    1-877-245-5887

  • March 1, 2011 at 10:27 am
    joker says:
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    I just realized this article is from 2004??

    LOL @ the links to E&O for less.

    People…please read the fine print and remember the old saying “if it’s too good to be true, it probably is”

  • June 16, 2011 at 5:28 pm
    Realtor on the go says:
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    I need help? I am a Realtor in miami dade county, FL. I had this tenant moving in on a Friday evening. He was suppose to bring me a cashiers check but the course of the moving he forgot. So in good faith I gave him the keys to the apartment as he said he would bring a cashiers check tomorrow morning ( this tenant was a referreal from a realtor I do alot of business with and thats why I trusted him to bring me the cashiers check). Its been 1 month and half and still no money. My broker came to me and told me I personally have to pay for the eviction which is around $1,000.00. My brokerage has E&O which I pay $45 for every file I turn in and now they dont want me to use the Insurance to cover this error. Is this legal for them to make me pay for it even though I pay $45 on every file I turn in for E&O. ( this is the first mistake i have made in 2 years with the company). Can someone tell me if the broker could use his E&O insurance to pay for this or are they just being difficult and making me pay for this out of my pocket?

    Thanks,

  • June 28, 2011 at 3:31 pm
    Mariano L. Morales says:
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    Hello Iam an independent group1 agent do you think I need E&O Ins. Tnank You

  • October 25, 2011 at 4:46 pm
    Adam English says:
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    I’m interested in selling e&o how would I go about getting independant contracts with the carriers?

  • January 13, 2012 at 3:31 pm
    Pawling Insurance says:
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    Great article. I’d be wary of the programs offerred online for “instant E+O coverage.” Like the article says there is no one-size-fits-all policy. You’re better off meeting with an experienced professional that will evaluate your particular situation, and tailor a policy to meet your needs-and your budget.

    If your in New York or Connecticut give me a call and I can help you out!

    Tanner-Prince Agency
    124 Route 22
    Pawling, NY 12564
    Ph:845-855-3700

    http://www.tannerprince.com

  • February 7, 2012 at 7:36 am
    Carm O says:
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    Hi.

    I just started a small graphic design business in NJ. Is it a good idea to get E&O?

    • March 6, 2013 at 6:27 pm
      SANJAY VASHISTHA says:
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      Yes, it is recommended to have an E&O insurance because it covers you and your business and you can get more new business with help of it.

      • July 16, 2015 at 4:17 am
        Hari says:
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        Hi Sanjay – Can i get your contact details?

  • February 16, 2012 at 4:55 pm
    Mike says:
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    Would a standard E&O policies cover the work completed and delivered to a client by our offshore team in India?

  • June 19, 2012 at 10:11 am
    Marie says:
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    Is E&O Required in the state of Georgia?

  • November 1, 2012 at 6:25 pm
    Dr. Donald Tate says:
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    I am a Grief Recovery Specialist..this means i can offer a 12 week outreach program for those who are grieving due to a death in the family, divorce, lost of job..etc. My question is would I a need E & O policy? The program is educational.I am also setting up a small business soon. Thank U in advance.

  • November 26, 2012 at 7:00 am
    Dr Racha says:
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    A US based company is hiring independent contractors for a few hours a week during one year.
    These contractors are on call to help debug an electronic medical record system (so these contractors are NOT doing anything directly medical, it’s more how to handle the computer system).
    The company is asking the contractors to have an E&O or some kind of liability insurance. One of the contractor is not residing in the US and is not a US citizen (but she has a SSN as she worked many years in the US before). Is it possible to purchase an E&O that will cover her? Keep in mind, price should be kept low as the contractors pay is low (only a few hours/week).
    Thanks

  • January 29, 2013 at 10:08 am
    Don Poe says:
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    How about insurance for authors? I have a non-fiction (actually trivia) book and I hardly think I’d be sued, but you never know. Who insures authors for errors and mistakes (e.g., complaints of plagiarism)? Thanks for your thoughts.

  • April 3, 2013 at 8:06 pm
    Harjeet Jabbal says:
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    i need Errors and omissions ins quots

    • August 5, 2013 at 11:01 am
      TBrennan says:
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      If you are located in Texas, I can help with that.

  • June 26, 2013 at 10:20 pm
    Deborah says:
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    I’m starting a home based business that will provide consulting services to families about living and healthcare options for seniors. I would like to get some quotes for E&O ins coverage.

    • July 2, 2013 at 2:33 pm
      Pacific Reserve says:
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      In what state are you starting your home-based business? I can help you get started by finding a few quotes.

  • September 17, 2013 at 11:31 am
    Dawn says:
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    I work for a company that provides healthcare staffing to the Federal government. Healthcare staffing is a new area for this company, which has historically provided administrative/non-clinical support in many areas, not necessarily in healthcare. There seems to be some confusion in our finance office about E&O insurance for healthcare contracts. Can we get a blanket policy for the company that would cover us on all contracts? Or do we have to have a separate policy for each contract? If the healthcare workers have their own professional liability insurance, are we also required to provide coverage? If so, do we have to insure each person individually, or will our corporate policy cover everyone on the contract? Our accountant seems to be under the impression that we have to have a separate policy for each employee, and wants to add the cost of this insurance to our direct labor rates, but I think this is incorrect and drives up our cost unnecessarily. Our office is located in Maryland, but we work in multiple states.

  • September 17, 2013 at 2:15 pm
    E. RENEAU says:
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    I am looking to start a mobile crane inspection company. Looking for a insurance company to cover me.

  • October 7, 2013 at 10:10 am
    Jessica says:
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    What an amazing article Glenda! You really took the time to explain exactly what Errors & Omissions Insurance is and how helpful it can be! Thank you so much for taking the time to write this, I will definitely be sharing this with people in the industry!

    Best Regards,
    Jessica

  • October 9, 2013 at 5:30 pm
    Stuart says:
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    Hi, I work as a Health and Safety Coordinator/advisor in industrial demolition and/or construction (concrete, steel, piping, cranes,etc). Within this industy, I am required to comprehensively review multiple documents pertaining to a variety of task(multi-disciplined trades), to assess relevant hazards and approve and/or develop controls after the initial development of these documents by site level and upper management as well as practice due diligence (the “aught reasonably to have known” and “Reasonably Practicible” clauses).
    My concern is that if a major incident occurs; Is there a potential for liability to be directed at me, even though I do not direct any work? It is my understanding that my position is to observe, report, make recommendations and advise on OH&S Law, Regulations, Industry Standards, Best Practices and Guidelines in order to assist in reflecting this information into the development of our companies Safe Work Procedures and Practices to assure minimum standards are meet and /or exceeded upon.
    I would definately appreciate any advise or guidance on this matter and how I can best protect myself from litigation while protecting the health and safety of the workers which is my utmost concern and passion.
    Thank you

  • October 18, 2013 at 4:14 am
    patrick Dughan says:
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    Thanks for the insight article on Errors and omission insurance. I really enjoyed reading the article. I believe security firms need this type of policy to protect them against any omission or errors committed in discharging their duties.

    regards,
    Patrick

  • February 4, 2014 at 9:34 am
    Theresa says:
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    Hello,
    You could have not explained Errors and Omissions Insurance any better then you have in this article! Thank you so much for taking the time to write this and to share it with us!
    Best Regards,
    Theresa

  • July 22, 2014 at 3:11 pm
    Mandy says:
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    I recently became a notary public and in reading their materials, it said that I may want to get E&O insurance. I will really only be notarizing for the employees at my company (about 30 people) and really, never anyone from off the street. It seems a bit overkill to get the E&O insurance for such a lowly task. Am I right? Or is it indeed wise to invest in E&O?

    • January 16, 2015 at 6:08 pm
      S. Turner says:
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      Just like the risk taken daily in driving our cars, it only takes one mistake. And, the fact that you stated you sign only for those in your company and never anyone from off the street is a moot point…It’s not about the signer, it’s about the Notary. Signer’s are protected by your bond — if one is required in your state BUT E&O is coverage for YOU…if YOU get sued for any notarization error OR if it simply perceived that you made a mistake. You’ll still have to go to court if a lawsuit is brought against you…that costs money! Let the insurance handle it! One little car accidents is one BIG headache even with insurance. Imagine an accident without out it. The time it takes, the money it costs…E&O is inexpensive, it covers you up to your policy limit. It’s just a wise idea when dealing with even one person, one document, one notarization.

      • March 3, 2015 at 5:26 pm
        jo walsh says:
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        what happens to your clients if a carrier pulls your contract with them?

  • December 29, 2014 at 3:42 pm
    Margy says:
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    Great article – clear and concise. I am looking for information on an international policy for a U.S. based non-profit that works in Israel. Any suggestions?

    • January 21, 2015 at 4:06 pm
      Kelly says:
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      Have you found someone to help you with an international policy? I could help you if you have not. Let me know.

      • March 24, 2016 at 9:49 am
        Timboking says:
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        looking for a carrier that writes E&O for non-US domiciled businesses (but with US business and US coverage only). Any ideas?

  • April 13, 2016 at 3:07 pm
    Don says:
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    I’m looking for Errors and Omissions for a non-licensed person. I’m entering into a contract to provide services but finding it hard to get insured. I’ve never had it before so never a problem. Thanks in advanced for any help.

  • September 1, 2016 at 6:00 pm
    Mika Padilla says:
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    Is there anyway I can locate an archived Certificate of Insurance for a company from the late 80’s without knowing who their insurance carrier was?

  • January 8, 2017 at 8:55 am
    tom bender says:
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    my condo association may be sued for breach of contract. will
    e&o insurance defend us in this situation

  • January 15, 2017 at 12:53 am
    Jess says:
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    I am activating my real estate broker’s license and I need to know how much E&O insurance is.

  • March 2, 2017 at 12:40 pm
    Alexis MacMillan says:
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    I do contract work. I had E&O for the duration of a contract and now I’m going to take some time off. Do I need to keep my E&O insurance for this time off or will the E&O insurance I had over the contract timeline cover any future litigation if that happens?

  • June 12, 2017 at 1:44 pm
    mark says:
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    If I purchase e&o for/with one company that I represent, does it carry over to all the insurance companies I represent.

  • July 14, 2017 at 9:45 am
    Kimberly says:
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    I am planning to open a home based Travel Agency, only selling tours and cruises through tour operators.
    I will have no foot traffic with clients in my home, neither do I have any employees in home.
    Is E&O INSURANCE suggested or can I have Omissions insurance only?



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