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Errors & Omissions

Insurance that protects against liability for committing an error or omission in performing professional work. Also referred to as professional liability insurance.

Related Terms

Professional liability
Workers’ Compensation
Insurance Claim

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All policies have conditions, limitations and exclusions, please read the policy for exact verbiage.
Claim scenario circumstances vary in nature and similar claims do not guarantee coverage.

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Exclusions

  • Individuals with gross sales over $250,000
  • Businesses with gross sales over $500,000
  • Businesses with over 10 employees
  • Professional services by a physician, dentist, anesthesiologist, nurse midwife, radiologist, psychiatrist, psychologist, physical therapist, acupuncturist, dietician, nutritionist, herbalist, homeopathic or Ayurveda practitioner or practices
  • Any practices that diagnose, prescribe, are invasive in nature, or make curative claims
  • Failure to treat, diagnose, or refer for traditional medical care
  • Any ingestible product and any medication requiring a prescription
  • Daycare or childcare
  • Public or private educational institutions, their board members and/or owners
    • Including but not limited to:
      • Charter schools
      • Primary and secondary schools
      • Colleges, universities, vocational or trade schools
  • Animal care, service, or training
  • Architecture or engineering
  • Any transportation or aviation-related training
  • Drivers Education
  • Construction management/artisan trade training
  • The sale of products you manufacture or which are sold under your brand or label
  • Ministry, pastoral or religious instruction, and duties
  • Security guards, law enforcement, including school resource officers
  • Safety/OSHA
  • Gun/weapons safety or concealed carry courses
  • Welding and/or wood burning instruction
  • Glass blowing
  • Furniture making
  • Carpentry, wood carving, or instruction on power tools