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Errors & Omissions Insurance for Small Businesses

If you own a small business, you've likely considered what would happen should a customer ever file a lawsuit. It may not be possible to make every customer happy, but you can help safeguard your business for professional liability in connection with a service you've offered. Errors and Omissions insurance coverage can cover you, your employees, and various subcontractors you hire whenever a customer accuses you of making a mistake or claims your work was faulty, delayed, or otherwise inadequate.

About Errors and Ommissions Insurance


What Is Errors and Omissions Insurance?

Errors and Omissions Insurance (also known as Professional Liability Insurance) is specifically designed to protect small businesses against lawsuits claiming negligence or inadequate work. Any small business owner who provides a specific service or offers advice for a fee should consider E&O insurance. Real estate agents, engineers, architects, hair stylists, and other professionals can't always foresee a lawsuit coming from a customer who perceives they've suffered a loss because of a service that's been provided – regardless of whether the claim is true or not. Protecting your small business with a bespoke Errors and Omissions policy can help prevent or reduce financial hardship.

There are multiple Errors and Omission coverages available for small business owners. These coverages typically include the following:

  • Legal costs: helps cover your legal fees when a customer files a claim.
  • Negligence: offers financial protection for alleged or actual claims of failure to render professional services or of failing to complete a job to a customer's satisfaction.
  • Copyright infringement: designed to cover your business if you're sued because of trademark or copyright infringement.

What's the Difference between General Liability and Errors and Omissions Insurance?

E&O insurance helps protect a business from litigation-related costs related to workmanship that wasn't completed to the customer's standards. In addition, many general liability policies exclude coverage for liability due to an insured's rendering or failure to render professional services. As with any type of insurance policy, however, there are certain things E&O insurance does and doesn't cover. Examples of situations not typically covered by Errors and Omissions insurance that are often covered by many General Liability insurance policies include:

  • False advertising
  • Property damage
  • Bodily injury
  • Employee disputes
  • Fraudulent acts

In the situations outlined above, general liability insurance often kicks in. General Liability and Errors and Omissions insurance are similar in that each is designed to protect a business against liabilities. But while General Liability insurance can cover a range of costs your business may incur from bodily injury to property damage, Errors and Omissions insurance is specifically designed to lessen the financial burden of lawsuits and legal fees related to claims of inadequate or negligent work.

What Type of Policy Should I Purchase?

E&O policies vary from business to business and are written to factor in each small business owner's particular risks, and each factor plays a role in how much the coverage costs. Such factors include the type of business seeking coverage, how many employees work there, and where the business is located.

AmVenture Insurance Agency, Inc. offers a variety of Errors and Omissions coverage options from reputable insurance carriers to support your business. Our mission is to provide you with comprehensive protection against multiple risks that could prevent your business from thriving whenever the unexpected happens. Errors and Omissions insurance coverage can help to pay for attorney fees, judgments, settlements, court costs, and more in the event that your business is sued.

Contact us today to design a bespoke E&O insurance policy for your business. You can request a free quote online by completing our short form, or call now to speak with a knowledgeable insurance professional.

About AmVenture

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    Our goal is to provide a competitive premium cost while delivering superior service that allows you – as a small business owner – the security of knowing your business is protected.

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