Errors & Omissions insurance for businesses
Errors & omissions insurance — also called professional liability — responds to claims that your advice, service, or omission caused a client a financial loss. It covers negligence allegations, missed steps, inaccurate advice, and failure to deliver, plus legal defense for covered claims. It is not general liability: it does not respond to bodily injury or property damage.
Request a quote
A licensed agent reviews your request. Certificates are issued after a policy is bound.
What E&O addresses
Kavana Insurance Inc. helps California and Texas businesses decide whether E&O belongs alongside general liability, a Business Owners Policy, or a wider professional program.
Negligence
A client says your work caused them harm because it was not performed with proper care.
Omissions
A missed step or omitted information leads to financial loss for a client.
Misrepresentation or inaccurate advice
Advice or information given to a client turns out to be wrong and they seek compensation.
Failure to deliver
The business does not deliver the promised results or services and the client files a claim.
Who is usually asked for it
Consultants, agencies, accountants, financial and real estate professionals, technology and software firms, healthcare practices, and design professionals. In several of those fields E&O is required by contract or by a licensing body before you can take the engagement.
Claims-made is the norm. Most E&O forms respond to claims reported during the policy period, which makes the retroactive date and continuous coverage matter more than the limit does. Let a policy lapse and prior work can go uncovered.
Design and engineering firms on construction projects need professional liability written for design work — a general E&O form is not automatically the right one.
GENERAL GUIDANCE ONLY. THE POLICY FORM, ENDORSEMENTS, AND CARRIER DECIDE WHAT IS COVERED ON YOUR ACCOUNT.
Other lines this job usually needs
Three steps, no instant-bind theater
Tell us the job
Operations, payroll, vehicles, contracts, or project value — whatever applies.
Review the structure
Limits, deductibles, exclusions, and what sits outside the policy.
Bind and issue
Choose coverage. Get policy documents and COIs once the carrier binds.