Professional Liability Insurance

Coverage for Mistakes That Could Cost You

Professional Liability Insurance, also known as Errors & Omissions (E&O) coverage,

helps protect you from lawsuits related to negligence, misrepresentation, or failure to deliver services as promised.

This type of policy is essential for service-based businesses, where a small oversight can lead to big consequences.

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What Does Professional Liability Cover?

* It does not cover bodily injury or property damage — that’s what general liability is for. Professional liability covers economic damages caused by professional performance.

Legal defense costs, even if the claim is groundless

Covers attorney fees and legal expenses, whether or not you're found at fault.

Settlements or judgments awarded to a client

Pays damages if you're found liable for a professional mistake or oversight.

Claims of negligence, errors, or omissions in the services you provide

Protects you from client allegations that your work caused financial harm.

Missed deadlines or undelivered work

Covers claims when project delays or incomplete work impact a client’s business.

Breach of contract or failure to meet professional standards

Helps with disputes over contractual obligations or performance expectations.

Who Needs E&O Insurance?

Professional liability is essential for businesses that:

Provide consulting or advisory services

Professionals like business consultants and executive coaches give guidance that can directly impact client decisions and outcomes.

Offer specialized expertise or technical work

Fields like accounting, IT, and software development involve complex work where small errors can cause major disruption or loss.

Create designs, plans, or deliverables for clients

Architects, engineers, and marketing agencies all produce materials that must meet performance, safety, or brand standards.

Handle contracts or sensitive data

Real estate agents and legal professionals are often responsible for confidential documents, disclosures, and compliance.

Work under strict deadlines or performance metrics

Creative teams, developers, and service firms may face claims if they miss launch dates or KPIs.

Operate in industries with high financial stakes

Any business where a professional error could cause client revenue loss—like finance, tech, or legal—needs E&O coverage.

Make Sure Your Business Is Covered from Every Angle

Even the most experienced professionals can face claims, and defending your reputation in court can be costly.

If you already have general liability coverage, that’s a great start, but it doesn’t cover claims related to your advice or services. Professional liability fills that critical gap and helps protect your business, your reputation, and your peace of mind.

Contact Gaudette Insurance today to find out if E&O coverage is right for your business.

Let's get you a quote.

Already a client of Gaudette Insurance Agency, Inc.?
Visit our Client Service to make requests and manage your insurance.

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Coverage for Mistakes That Could Cost You

Professional Liability Insurance, also known as Errors & Omissions (E&O) coverage,

What Does Professional Liability Cover?

Make Sure Your Business Is Covered from Every Angle

Ready to Review or Customize Your Coverage?

Whether you’re bundling policies, exploring new coverage, or just need a second opinion, we’re here to help.

Call Gaudette Insurance today to speak with a local agent, or request a personalized quote online.

Let's get you a quote.

Already a client of Gaudette Insurance Agency, Inc.?
Visit our Client Service to make requests and manage your insurance.

You're all set.

Experience the Value of an Independent Agency

We are licensed in CT, MA, ME, NH, RI, and VT.

Insurance Solutions

Client Services

Coverage for Mistakes That Could Cost You

Professional Liability Insurance, also known as Errors & Omissions (E&O) coverage,

What Does Professional Liability Cover?

Make Sure Your Business Is Covered from Every Angle

Ready to Review or Customize Your Coverage?

Whether you’re bundling policies, exploring new coverage, or just need a second opinion, we’re here to help.

Call Gaudette Insurance today to speak with a local agent, or request a personalized quote online.

Let's get you a quote.

Already a client of Gaudette Insurance Agency, Inc.?Visit our Client Service to make requests and manage your insurance.

You're all set.

Experience the Value of an Independent Agency

We are licensed in CT, MA, ME, NH, RI, and VT.

Insurance Solutions

Client Services

Already a client of Gaudette Insurance Agency, Inc.?
Visit our Client Service to make requests and manage your insurance.