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Professional Liability (E&O)


Errors and Emissions Insurance covers your business, or you individually, in the event that a client holds you responsible for a service you provided, or failed to provide, that did not have the expected or promised results. For doctors, dentists, chiropractors, etc., it is often called malpractice insurance. For lawyers, accountants, architects or engineers, it may be called professional liability insurance. It covers you for errors (or omissions) that you have made or that the client perceives you have made.

Professional Liability Insurance Coverage

Professional Liability Insurance Coverage

Liability Insurance can usually include Employment Practices Liability and sometimes Fiduciary Liability.

Errors and Omissions insurance (“E&O Insurance”) is necessary for professionals expected to perform their job with a requisite level of expertise as it protects them from negligent acts. United Direct Insurance Services is well-versed in E&O Insurance as well as other types of malpractice insurance policies, please feel free to contact us for assistance with your insurance needs.

The policy premium for professional organizations is usually based on several factors: the profession involved, the number of professionals covered, annual revenues, location of the business, the limit of liability and the deductible.  Ensuring the lowest premium requires numerous safety precautions such as accurate calendaring systems and other clerical safeguards.  The E&O insurance and malpractice liability “insured” usually include the covered organization itself and its past or present partners, directors, officers, and employees while acting within the scope of their duties. Malpractice liability coverage includes legal defense costs – no matter how baseless the allegations. Errors and Omissions Insurance will pay for any resulting judgments against you, including court costs, up to the coverage limits on your policy. Please contact United Direct Insurance Services for a quote today.