One claim that your professional advice or service caused financial harm can cost six figures to defend — even if you did nothing wrong. CISA places professional liability insurance (also called Errors & Omissions, or E&O) for California and Arkansas professionals through 40+ A-rated carriers. Get a bindable quote in 15 minutes.
Also known as Errors and Omissions (E&O) insurance, professional liability covers claims that a mistake, omission, or negligent act in your professional services caused a client financial harm.
Pays attorney fees and court costs to defend against covered claims — even frivolous ones. Defense costs are often paid in addition to your policy limits.
Covers settlements you agree to and judgments awarded against you, up to your policy limits. Protects your personal and business assets from a single dissatisfied client.
Covers claims arising from a mistake, error, or omission in the professional services you delivered — the core of what E&O insurance protects.
Covers claims that you failed to deliver a promised service or missed a critical deadline that caused a client financial loss.
Professional liability is written on a claims-made basis — the policy in force when a claim is reported responds, not the one in force when the work was done. We help you manage retroactive dates.
When you switch carriers, we negotiate prior acts coverage so there's no gap in protection for work you performed before the new policy started.
Different professions face different risks — and different carriers. We match your specific profession to the E&O market that understands it, from real estate and consulting to accounting and technology.
Switching carriers can create a coverage gap for past work. We negotiate prior acts coverage and align retroactive dates so your entire claims history stays protected.
We structure your policy so legal defense costs are paid in addition to your limits wherever the market allows — so a long, expensive defense doesn't eat the money meant to settle a claim.
General liability covers third-party bodily injury and property damage — physical harm. Professional liability (E&O) covers financial harm caused by a mistake or omission in your professional services. Most professional businesses need both, because general liability specifically excludes claims arising from your professional work.
Any business that provides professional advice, services, or expertise for a fee needs E&O coverage — including consultants, real estate agents, accountants, insurance brokers, technology professionals, architects, engineers, marketing agencies, and many others. If a client could claim your work caused them a financial loss, you need it.
Cost depends on your profession, annual revenue, number of professionals covered, claims history, and limits selected. Typical policies range from $600 to $3,000 per professional per year. CISA shops 40+ carriers to find you the most competitive rate for your specific profession.
Not typically — cyber liability is usually a separate policy. Some E&O policies offer limited cyber endorsements, but for true data breach and ransomware protection, a dedicated cyber liability policy is strongly recommended. We'll help you coordinate both.
CISA places coverage across every line your business needs. Explore related policies or talk to a specialist about bundling for savings.
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