Professional Liability (E&O)
Insurance for claims that your design, advice or reports caused a client a financial loss. Also called errors and omissions.
What it means for your firm
It usually responds to defense costs and settlements for covered claims, up to the limit and subject to the policy terms and exclusions.
For A&E firms it is the core policy, and the one where form, retro date and deductible details matter most.
Articles that explain it
Your Firm Is in the US. Your Design Team Is Not. Does Your Professional Liability Cover Work Done Abroad? Who Owns Your Drawings? Reuse, Copyright and Your Professional Liability When the Bids Come In Over Budget: Cost Opinions and Your Professional Liability “Best,” “Highest” and “Ensure”: Contract Words That Can Outrun Your Professional Liability Bringing a 1099 Architect Into Your Firm? Five Professional Liability Questions to Answer First Miscellaneous Professional Liability vs. an Architects and Engineers Policy: What New Design Firms Should Know
General definition for education only. It is not an interpretation of any policy or contract, and it is not legal advice. The wording of your own policy and contract controls. Policies and definitions vary by insurance company.
Talk to a specialist
Tell Us About Your Firm. We’ll Tell You What We See.
Starting out or renewing, with a policy in hand or not. If something is worth discussing, we’ll call. If not, we’ll say so.