Professional liability insurance that protects an agency against claims of negligence, mistakes or failure to provide proper coverage.
Errors & Omissions (E&O)
Professional liability insurance that protects an agency against claims of negligence, mistakes or failure to provide proper coverage.
Errors and omissions (E&O) insurance is the professional liability coverage an insurance agency carries to protect itself. It responds when a client alleges the agency made a mistake — failed to place requested coverage, misquoted limits, let a policy lapse, or gave faulty advice.
Because agencies handle other people\'s risk, E&O is essential and is frequently required by carriers as a condition of appointment.
- Common triggers: wrong or missing coverage, certificate errors, gaps at renewal, and documentation failures.
- Best defense: consistent workflows and thorough documentation inside the agency management system — a clear activity trail of what was discussed and sent.
Sound processes and complete records in the AMS are the practical way agencies reduce both the frequency and cost of E&O claims.