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Errors and Omissions (E&O) Insurance in Florida
Protection when a client says your advice, work, or service cost them money, including your legal defense, even if you did nothing wrong.
Free and no obligation. About 2 minutes. Your information is never sold.
Who Needs It
- Real estate agents, brokers, and property managers
- Consultants and business coaches
- IT, software, and web professionals
- Accountants, bookkeepers, and tax preparers
- Marketing, design, and creative agencies
- Any business that gives advice or professional services
What It Covers
E&O, also called professional liability, covers claims that your professional work caused a client a financial loss.
- Negligence
- Claims that you didn't perform your services with reasonable care.
- Errors and Oversights
- Mistakes or missed details in your work.
- Missed Deadlines
- Claims that a delay on your part caused a client to lose money.
- Misrepresentation
- Claims that you gave inaccurate advice or information.
- Legal Defense
- Attorney fees and costs to defend a covered claim, even a groundless one.
- Settlements and Judgments
- What you owe if a covered claim is settled or decided against you.
Did a client contract ask for professional liability?We'll compare carriers and walk you through your options in plain language.
Get My Free E&O QuoteWhat It Doesn't Cover
Straight answers up front, so there are no surprises at claim time.
- Injuries and property damage. Physical claims fall under general liability
- Fraud and intentional acts. Dishonest or deliberate wrongdoing isn't covered
- Employee injuries. Those are covered by workers' compensation
- Older incidents. Claims from work before your policy's retroactive date generally aren't covered
What Florida Professionals Should Know
- Most E&O policies are claims-madeThe policy that responds is generally the one active when the claim is made, not when the work was done. Keeping coverage continuous matters.
- Your retroactive date is valuableIt sets how far back your prior work is covered. When you switch carriers, we'll work to keep it intact.
- Tail coverage protects you after you stopIf you retire, close, or change careers, an extended reporting period can cover claims made later about past work.
- Defense costs may count toward your limitMany E&O policies include defense costs within the limit, so choose a limit with room for both.
Even Good Work Gets Challenged
A client who's unhappy with an outcome can file a claim whether or not you made a mistake. Defending yourself takes time and money either way. E&O lets you respond professionally and keep serving your other clients.
What Affects Your Price
Every quote is different. These are the biggest factors carriers look at.
- Your profession and services
- Annual revenue
- Claims history
- Limits and deductible you choose
- Size and type of your clients
Because we're independent, you see real options from multiple carriers instead of a single take-it-or-leave-it price.
Common Questions
Do I need E&O if I've never made a mistake?
Claims can be filed even when you did everything right, and defending one costs money regardless. E&O pays for that defense.
What does claims-made mean?
The policy covers claims made while it's active, for work done after your retroactive date. That's why gaps in coverage can be costly.
Does general liability cover professional mistakes?
No. General liability covers injury and property damage. Financial losses from your advice or services need E&O.
What happens if I switch carriers or retire?
We'll work to keep your retroactive date when switching. If you retire or close, tail coverage can protect you from later claims about past work.
Protect Your Reputation and Your Livelihood
No pressure and no obligation. If the coverage you already have is the better deal, we'll tell you.
Prefer to talk? Call or text (813) 603-8714