Professional Liability (E&O) Insurance

Texas professionals providing advice, services, or expertise face constant risk of claims alleging errors, omissions, or negligence. Professional liability insurance, also called errors and omissions (E&O) coverage, protects your business and personal assets from claims that could destroy your career. Whether you're a consultant in Dallas, an accountant in San Antonio, or an IT professional in Houston, one unhappy client can threaten everything you've built.

This coverage protects you when a client claims your professional advice or services caused them financial harm. If a client sues claiming you made an error, missed a deadline, or provided advice that led to losses, your policy covers legal defense costs and any settlements or judgments. Legal defense alone can cost tens of thousands of dollars, even when you've done nothing wrong.

Professional liability insurance covers a wide range of claims including alleged negligence, misrepresentation, violation of good faith and fair dealing, and inaccurate professional advice. Claims can arise years after you complete work, which is why having continuous coverage matters significantly. The policy covers claims made during the policy period, even for work performed earlier.

Texas professionals in fields like consulting, accounting, engineering, architecture, technology, real estate, and insurance face significant liability exposure. A mistake in a financial report, an error in building plans, failed technology implementation, or missed compliance deadline can all trigger expensive claims. Your standard general liability policy doesn't cover professional liability claims—you need specialized coverage.

We work with professionals throughout Texas to structure E&O policies that address their specific risks. Coverage limits, deductibles, and policy terms vary significantly between insurers and professions. Whether you're starting a new practice or have decades of experience, professional liability insurance provides essential protection. Your reputation and financial future shouldn't be at risk every time you accept a client project—proper E&O coverage gives you security to focus on delivering excellent service.