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Errors & Omissions (E&O)

Every company needs Errors & Omissions (E&O) coverage. At some point in a company's lifespan, a mistake will happen... a liability will occur... and a customer will sue.

Don't be misled that a GL policy will pick up a negligent act, error, omission.

That's why your clients need Miscellaneous E&O.

Claims Made and Reported.

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Is Your Client's Company at Risk?

An individual or an entity providing professional services to others for a fee has an exposure. Professionals are held to a higher standard that can be dictated by their industry. A claim, even if groundless, can generate substantial costs which could jeopardize the financial stability of your client. In the increasing litigious environment, is your client in a position to absorb this cost? The risk can be transferred to a Miscellaneous Errors and Omissions policy. 

Be aware, professional services are typically excluded by General Liability policies.

Miscellaneous Errors & Omissions (E&O)

Limits Available Up To $2M/$4M + $1M DOL (For Qualified Risks)

Coverage Available For 230+ Professional Services

Coverage provided by certain underwriters at Lloyd's

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What is Errors & Omissions (E&O)

Errors and Omissions Insurance is a liability policy available to protect individuals and entities from claims of negligence or failing to perform professional services to others for a fee. These entities have different needs depending on the industry, the professional services provided, their specialty, etc. Errors and Omissions coverage may also be required for your client's services. There are a variety of additional coverage options via endorsements that can customize a policy for your client.

No matter how ridiculous any claim may seem, your client can find themselves paying hefty legal fees and damages that could be covered with E&O Insurance.

Speak with an Underwriter today: 800.761.7547

Monday - Friday 8:30AM - 5:30PM CST

Errors & Omissions For Over 230+ Professionals:

Sample of Professions Below:

Allied Health Classes

Alcohol & Drug Testing

Diagnostic Imaging & X-Ray

CPR Training (no medical)

Health Screening Center

Speech/Language Therapist




Home Health Agencies (Non-Medical)

Occupational Counsel / Therapist

Employee Related Services

Employee Relations Consultants

Employment / Executive Search Agency

Employment Background Services

Manpower Resources Consultant

Medical Answering Services

Nursing Employment / Agencies (staffing only)

Recruitment Consultants

Benefit Admin Consultants

Risk Management Consultancy

Financial Related Services

Bookkeeper (No CPA Services)

Debt Collection Services

Debt Counseling

Payroll Process Services

Benefit Admin Consultant

Billing Services

Medical Billing & Collection Services

Cost Estimation Services

Fund Raising Consultants

Credit Reference Services

Premium Finance Companies

Health & Beauty


Massage Therapist

Fitness Instructors

Skin Care Consultant

Hair Stylist


Exercise & Diet Control Consultant

Skin Care Consultant

Ear Piercers

Body Tan Services

Insurance Sectors

Actuaries (excluding P&C Insurance Companies)


Insurance Adjusters

Insurance Investigators

Insurance Consultants

Loss Adjusters & Assessors

Personal & Property Appraisers

Premium Finance Company

Risk Management Consultants

Misc. Medical Support Service

Medical Billing (including Coding)

Nurse Agencies (Staffing)


Transcription Services

Health Educator

Healthcare Reimbursement Counseling

Payroll Processing Service

Medical Case Manager

Medical Management Consultant

For ALL Professions & Information refer to our
E&O Service Listings

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Loss Control Consultants -

Specialty Risk Management   , Inc. (SRM   ). 

SRM's Loss Control Consultants are available to Insureds throughout the policy period to help mitigate and control exposures and events.

We work with you to identify exposures and potential ways to avoid or minimize issues, lessening the impact to your business. We are a resource in the areas of loss control, customer complaints, professional and contractual standards, risk management and others.

SRM has consistently provided a combination of services to our client base in a wide range of industries for over 17 years through our Loss Control Consulting Service. SRM is staffed with experienced professionals who are licensed in the field of Loss Control and Risk Management at the State and National level.

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  • SRM can assist with a variety of topics including loss control procedures, document review, (contracts), and sample templates of written communications for Insured's to use as needed.

  • Unlimited Telephone access to independent and licensed Loss Control Consultants 

  • Experience working with a variety of government agencies (FDA, Health Departments, EPA, State & Local Health Departments, FBI, Police, etc...)

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This page is not intended to be a representation of coverage. See policy wording for details. All coverage features are still subject to individual underwriting and certain coverage features may be restricted.

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