Professional Liability & EPLI
Errors & omissions for advice and services, plus employment practices liability.
Built for the way you actually operate.
Businesses that provide advice or professional services — consultants, agencies, accountants, designers, real estate professionals — and any employer with staff.
Real scenarios, in plain terms.
A client claims your advice cost them money
E&O responds to allegations that your professional services caused a financial loss — including defense costs, which are often the largest part of the claim.
A former employee alleges wrongful termination
Employment practices liability (EPLI) addresses claims like wrongful termination, discrimination, and harassment brought by employees.
Considerations & limitations.
Every policy has terms, conditions, and exclusions. These are the points we walk through before you decide — availability and eligibility vary by carrier.
- E&O is usually written on a claims-made basis — retroactive dates and continuity matter.
- Policy definitions of 'professional services' differ; the wrong definition can leave gaps.
- EPLI typically excludes wage-and-hour claims or covers defense only.
- Availability and pricing depend heavily on your industry and history.
Frequently asked.
Do I need E&O if I already have general liability?
If you provide advice or services, yes — GL excludes professional services. E&O is the policy built for that exposure.
What does claims-made mean?
The policy that responds is the one in force when the claim is made, not when the work was done. Keeping continuous coverage — and minding the retroactive date — is essential.
Ready to talk it through?
Send a request anytime. Our response target is five minutes; response times may vary. Submitting a request does not bind or change coverage.