WE PROVIDE
Professional Liability (Errors & Omissions)
When you sell advice, design, or expertise, one mistake can lead to a lawsuit over financial loss, even if you did nothing wrong. At A-Best Insurance, we provide professional liability coverage for Texas consultants, accountants, real estate agents, IT firms, marketing agencies, and other service providers. We match limits to your profession, compare multiple carriers, and explain what is and is not covered, so you understand your protection before a claim ever happens.
240K+
Help protect your professional services from costly claims.
Explore coverage for alleged errors, omissions, or negligence
Ready to Experience the A-Best Difference?
Join thousands of satisfied customers and get your free quote today
What Is Errors and Omissions Insurance?
Errors and omissions insurance, also called professional liability, protects you when a client claims your work, advice, or services caused them a financial loss. It covers allegations of negligence, mistakes, missed deadlines, and failure to deliver what you promised. Unlike general liability, which covers physical injury and property damage, E&O covers the financial harm that comes from professional services.
What Does E&O Insurance Cover?
- Negligence and Errors: Claims that your work or advice was flawed or incomplete.
- Omissions: Claims that you failed to deliver a service, left out critical information, or missed an important deadline.
- Misrepresentation: Claims that results did not match what you promised in a proposal or contract.
- Breach of Good Faith: Claims that you did not act in your client’s best interest.
- Defense Costs: Attorney fees and court costs, even when the claim is baseless.
- Settlements and Judgments: Payouts up to your policy limit for covered claims.
What E&O Does Not Cover
E&O is designed for unintentional mistakes. It generally excludes intentional fraud, criminal acts, and deliberate wrongdoing. It also does not cover physical injury or property damage, which belong under general liability insurance, or injuries to your employees, which belong under workers’ compensation.
Who Needs E&O Insurance?
Any business that earns money by giving advice or delivering professional services should review E&O coverage. Common examples include consultants, accountants and bookkeepers, real estate agents and property managers, insurance and mortgage professionals, IT and software firms, marketing and design agencies, architects and engineers, staffing companies, and educators or trainers.
Why Do You Need E&O Insurance in Texas?
- Closing the liability gap: Standard business policies do not respond to claims about professional advice or services.
- Contract requirements: Corporate clients, government agencies, and partners often refuse to sign without proof of E&O coverage.
- Defense cost protection: Even a weak claim can be expensive to defend, and E&O pays for that defense.
- Reputation protection: Resolving disputes quickly and professionally helps protect your name.
- Packaging options: Many small firms add E&O to a business owners policy for broader protection.
What Affects the Cost of E&O Insurance?
Pricing depends on your profession, annual revenue, services you provide, contract types, claims history, and the limits and deductible you select. Higher-risk professions usually pay more, and clean records and written contracts often help lower the premium. We compare several markets and help you pick limits that fit your contracts.
Errors and Omissions Insurance in Houston and Across Texas
Our Houston office works with local consultants, agents, and service firms that need coverage to satisfy client contracts. If you are searching for errors and omissions insurance Houston professionals can rely on, we match your profession to the right carriers and issue certificates quickly. We serve professionals across Texas by phone and email.
Why Choose A-Best Insurance?
- Coverage limits matched to your profession
- Multiple carrier quotes
- Fast certificates for client contracts
- Straight answers about what is and is not covered
- Part of a full business insurance program when you need more than one policy
Errors and Omissions FAQs
Everything you need to know about Errors and Omissions insurance coverage.
General liability insurance generally covers third-party bodily injury and property damage claims. Errors and Omissions (E&O) insurance covers certain financial losses claimed by clients due to professional mistakes, errors, omissions, or negligence in the services you provide. Coverage depends on the terms and exclusions of each policy.
E&O insurance is useful for professionals and businesses that provide advice, design, consulting, or other professional services. Examples include IT consultants, real estate professionals, accountants, marketing agencies, insurance agents, architects, and financial advisors. Clients or contracts may require this coverage depending on the services provided.
No. E&O insurance is generally intended to cover eligible claims involving unintentional professional errors, omissions, or negligence. Deliberate fraud, intentional misconduct, and other wrongful acts are typically excluded, subject to the specific policy wording and applicable law.
Yes, a covered E&O policy typically provides a legal defense for eligible claims, even when the allegations are unfounded. Defense costs may include attorney fees and other covered legal expenses, subject to policy terms, exclusions, limits, and the insurer’s claims-handling requirements.
Yes. We help professionals and businesses in Houston, TX, and throughout Texas explore Errors and Omissions insurance options. Available coverage and pricing depend on your profession, business activities, claims history, and required policy limits.
Most E&O policies are written on a claims-made basis, meaning a claim generally must be first made against you and reported to the insurer according to the policy’s requirements while the applicable coverage is in effect. Retroactive dates and reporting deadlines can matter, so we explain how to maintain continuous coverage and avoid potential gaps.
