Your Expertise Is Your Business. Protect It From Costly Claims.
General liability doesn't cover mistakes in your professional services. Professional liability — also called Errors & Omissions (E&O) — protects your business when a client claims your work caused them financial harm.
A Single Client Complaint Can Cost Your Business Everything
If your business provides professional services, advice, or expertise to clients — you're exposed. A client who believes your work caused them financial harm can sue you for negligence, errors, missed deadlines, or failure to deliver promised results. Even if the claim has no merit, you still have to pay to defend yourself.
General liability insurance does not cover these claims. It only covers physical injuries and property damage — not the financial harm a client alleges from your professional services. Without professional liability (E&O) coverage, your business pays every dollar of attorney fees, court costs, settlements, and judgments out of pocket.
Whether you're a consultant, accountant, real estate agent, or contractor — if clients pay you for your expertise, you need professional liability coverage. We help Midwest businesses get protected quickly and affordably.
Get a Professional Liability Quote →Does your business provide professional services?
If clients pay you for advice, expertise, or services — you need E&O coverage. Let us review your exposure and find the right policy today.
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Professional Liability Coverage Through Brawner
Professional liability — also called E&O — covers claims arising from your professional services, advice, and expertise. Here's what a typical policy protects against.
Professional Negligence
Covers claims that your professional services fell below the expected standard of care — resulting in financial loss to a client. This is the most common type of professional liability claim.
Errors & Omissions
Covers claims alleging you made a mistake in your work (an error) or failed to do something you should have done (an omission) — such as giving incorrect advice, missing a detail, or delivering incomplete work.
Breach of Contract
Covers lawsuits claiming you failed to fulfill the terms of a service agreement — didn't deliver what was promised, didn't meet specifications, or didn't complete the scope of work as agreed.
Misrepresentation
Covers claims that you misrepresented your qualifications, the scope of your services, or the expected results — leading to financial harm for the client who relied on your statements.
Legal Defense Costs
Covers attorney fees, court costs, expert witness expenses, and administrative costs to defend your business — even if the claim is baseless. Defense costs alone can run into six figures.
Missed Deadlines & Delays
Covers claims that your failure to meet a deadline or deliver on time caused financial damage to your client — lost revenue, additional costs, or missed opportunities resulting from your delay.
Copyright & IP Infringement
Covers claims alleging your professional work infringed on someone else's copyright, trademark, or intellectual property — common for marketing, design, and content professionals.
Settlements & Judgments
Covers the cost of out-of-court settlements and court-ordered judgments — the financial damages awarded to the client if your business is found liable for a professional services error.
Let's build your E&O policy.
We assess your services, client contracts, and risk exposure to find the right professional liability coverage.
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