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Certificate of Liability insurance
The short answer is yes. E&O is a must for every IT professional.
Beyond the reasons why outlined above, E & O coverage benefits IT professionals in these key ways:
Important Note: Errors and Omissions Insurance works on a "claims-made" basis. This means that, in order to receive benefits, your policy must be active both when you file a claim and when the incident related to the claim occurs.
In other words, if you start and stop E & O coverage with your individual contracts, you likely won't have protection when you need it most.
Next: Questions to Ask Your Agent about Your Errors and Omissions Policy