Coverage Guide
E&O Coverage Guide
What professional liability insurance covers.
What's Covered
Negligence claims
Missed deadlines
Errors in work
Failure to deliver
Copyright in work product
Defense costs
What's NOT Covered
Intentional wrongdoing
Criminal acts
Bodily injury (need GL)
Property damage
Employee claims (EPLI)
Cyber incidents
Claims-Made vs. Occurrence
Most E&O policies are claims-made:
- Claims-Made: Covers claims made during the policy period for incidents after retroactive date
- Tail Coverage: Extends coverage after policy ends for past work