Professional Liability is also known to some as Errors & Omissions (E&O) and is designed to protect your clients for the services that they perform on a daily basis against potential negligence. 


The coverage focuses on the insured’s alleged failure to perform on the part of, financial loss caused by, and error or omission in the services sold.    It can take on different names depending on the profession of the insured. 


Each policy includes defense costs coverage, most are within the limits, but in some cases Defense Costs Outside of the Limits can be purchased for an additional premium.  

So, when your client says, "I’ve been in business for 30 years and have never had a claim,” or the famous, "I don’t make mistakes,” that doesn’t mean that they don’t need the coverage. 

Even a groundless accusation needs to be defended and will incur out of pocket expenses. 


And while I am sure that the clients are telling the truth when they say that they haven’t ever had a claim, let’s be frank…everyone makes mistakes, no one is perfect. 


So, while you have made it through 30 years’ of business with no claims, that doesn’t mean that you might not make a mistake in the future that could cause a claim; or that they won’t have to defend themselves for a false accusation. 


If the client is in the business of providing services to others for a fee, they have an E&O exposure and would benefit from the coverage. 

Professional Liability will protect your clients against claims of negligence even if they have not made a mistake. 

Here are some examples:

Let’s say your client is an interior designer and they are hired to order specific furniture for their client, but the client keeps making numerous changes to what they want.  When the furniture is ordered, the designer makes an error and orders the wrong furniture and it cannot be returned, all of the furniture will need to be replaced. 


You have an IT Consultant that was hired to review a website to make updates and implement new security measures to get rid of the weaknesses. 


A month later, the client's website is hacked, and they lose a substantial amount of revenue from the site being down. So, they accuse your client of not catching all of the weaknesses.



So long story short, anyone that is providing services to others for a fee has a professional exposure and should carry Professional Liability. 

At Fox Point Programs, we have the ability to help you on almost any type of risk that you may come across with a professional liability exposure. 


We strive to provide great service and quick turnarounds on quotes so that your clients don’t have to wait.


Please feel free to contact us with any questions that you have.


Any company that provides a service to others in exchange for a fee faces a potential Professional Liability Exposure. 

Errors and Omissions (E&O) coverage provides insurance protection for entities being sued by their clients. 


We take pride in being able to find coverage for hard-to-place risks.

The financial impact on an E&O suit on a company can be devastating and can potentially wipe out corporate and personal assets. 

Even if the allegations prove groundless, the firm could still incur substantial legal defense costs.  We are here to help. 


  • Multiple limit/deduction options
  • Prior Acts Coverage with proof of prior coverage
  • Defense Outside the Limits coverage
  • Optional General Liability insurance available.
  • New Professional Plus program (one policy with 14 coverages included)


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Sharon Beal has been in the insurance industry since 1999, working in various capacities over the years. Sharon joined Fox Point Programs in 2013 as an underwriter, and enjoys helping her clients secure the best coverage possible for their industry. Everyone agrees that Sharon is very personable and can get along with anyone, even going above and beyond to help clients and friends.

Hannah Border began her insurance career in 2010 with Fox Point Programs as an underwriting assistant. After obtaining her insurance license in 2015 she was promoted to a professional liability broker and enjoys her job every day.

Hannah loves to play softball and volleyball as much as possible. In her free time, she enjoys the beach, shopping, spending time with her husband and their families and now working on their new home.