E&O / Professional liability insurance

Errors and omissions insurance (E&O), or malpractice insurance, covers legal fees if you're blamed for a mistake or oversight that harmed a client. State laws can mandate this coverage for certain professions.

Working as an independent contractor can be an attractive option for professionals in the IT, media, consulting, and other sectors. But the rewards of being your own boss come with risks. Consider E&O insurance to protect yourself from claims of negligence, work mistakes, missed deadlines, and more.

An errors and omissions disclaimer can limit your liability in certain situations, which can help you manage the risks of working with clients. But while some disclaimers really do reduce risk, others won’t hold up in court.

Large client contracts often require high errors and omissions insurance limits. But can you raise or lower your limits when you land a big contract, or if you're working on smaller projects? Here’s the lowdown on adjusting your errors and omissions policy limit.

Clients might ask to see your errors and omissions insurance certificate, a document that serves as proof of insurance. You can access this certificate as soon as you buy an E&O policy, also called professional liability insurance.

Washington law doesn't require businesses to carry E&O insurance, but you might still need it to sign a contract or get licensed in your field. It provides crucial protection against lawsuits related to your work performance.

Texas law doesn't require all businesses to carry E&O insurance, but you might still need it to sign a contract or get licensed in your field. It provides crucial protection against lawsuits related to your work performance.

North Carolina law doesn't require businesses to carry E&O insurance, but you might still need it to sign a contract or get licensed in your field. It provides crucial protection against lawsuits related to your work performance.

New York law doesn't require all small businesses to carry E&O insurance, but you might still need it to sign a contract or get licensed in your field. It provides crucial protection against lawsuits related to your work performance.

Michigan law doesn't require all businesses to carry E&O insurance, but you might still need it to sign a contract or get licensed in your field. It provides crucial protection against lawsuits related to your work performance.

Massachusetts law doesn't require businesses to carry E&O insurance, but you might still need it to sign a contract or get licensed in your field. It provides crucial protection against lawsuits related to your work performance.

Illinois law doesn't require businesses to carry E&O insurance, but you might still need it to sign a contract or get licensed in your field. It provides crucial protection against lawsuits related to your work performance.

Georgia law doesn't require most businesses to carry E&O insurance, but you might still need it to sign a contract or get licensed in your field. It provides crucial protection against lawsuits related to your work performance.

Florida law doesn't require businesses to carry E&O insurance, but you might still need it to sign a contract or get licensed in your field. It provides crucial protection against lawsuits related to your work performance.