Protection for professional errors claims
Errors and omissions or professional liability insurance focuses on allegations tied to advice, services, design, or deliverables.
Errors & Omissions / Professional Liability Insurance
Errors and Omissions Insurance
Errors and Omissions Insurance can help protect the parts of your business that create the most exposure, from contracts and premises to property, vehicles, data, or professional work. Any Insurance helps Canadian businesses compare options and understand what needs to be reviewed before they choose a quote.
Where this coverage usually fits
Errors and Omissions Insurance is most relevant for Professional service businesses that need protection when a client alleges advice, work quality, or a missed detail caused financial loss.
Important when your expertise drives outcomes
Consultants, agencies, IT providers, clinics, and other advisory businesses often need coverage that goes beyond general liability.
Common in contracts and procurement
Professional clients, government work, and larger contracts often require evidence of E&O or professional liability insurance.
You can also explore commercial general liability insurance, professional liability vs general liability, consultant insurance, and get a quote.
What underwriters usually want to understand
The more clearly you describe the business, the easier it is to compare meaningful options. For errors and omissions insurance, that usually includes the following details:
- the exact services you provide and who relies on them
- contract language, limitation clauses, and quality-control practices
- project values, client concentration, and revenue mix
- whether work includes design, consulting, technology, or regulated advice
Common questions about errors and omissions insurance
Is professional liability the same as CGL?
No. CGL focuses on third-party bodily injury and property damage, while professional liability addresses service-related financial loss allegations.
Do freelancers need E&O insurance?
Many do, especially when contracts, advice, or deliverables could create a client loss claim.
Can I buy E&O with general liability?
Sometimes. Depending on the risk, they may be bundled or written as separate policies.
Talk through your errors and omissions insurance needs
Share what your business does, the coverage requirement you are trying to meet, and any current policy or renewal details you already have. We will help outline the right next step.
