Looking for Errors and Omissions Insurance?
Protect your business from costly lawsuits with Errors and Omissions Insurance. Get fast coverage and an instant certificate for your clients.
What is Errors and Omissions Insurance?
Errors and Omissions Insurance (E&O) is a type of professional liability insurance designed to protect businesses and professionals from claims of negligence, mistakes, or inadequate work. If a client alleges that your business made an error or failed to deliver on your professional services, E&O insurance helps cover legal fees, settlements, and damages. It is essential for businesses providing advice, consulting, or professional services where clients rely on your expertise. Without E&O coverage, businesses could face significant financial liabilities.
Professional Advice
Protects against lawsuits stemming from mistakes or negligence in the advice or services provided to clients.
Consulting Errors
Coverage for consultants in case of allegations of errors or negligence in their work that leads to financial losses for clients.
Contractor Errors
Covers contractors against claims related to errors in construction work, including damages to third-party property or injuries.
Service Provider Coverage
Provides protection for service-based businesses against client claims of negligence, inadequate service, or failure to deliver contracted work.
Who Needs Errors and Omissions Insurance?
- Consultants : Businesses and professionals requiring errors and omissions insurance coverage
- Engineers : Businesses and professionals requiring errors and omissions insurance coverage
- Architects : Businesses and professionals requiring errors and omissions insurance coverage
- Service Providers : Businesses and professionals requiring errors and omissions insurance coverage
Why Harper?
Professional Protection
Errors and Omissions (E&O) insurance helps protect you and your business from financial harm if a client sues for mistakes or negligence in the services you provide. Whether you're a consultant, contractor, or other professional, this coverage is essential for ensuring legal protection and avoiding costly settlements. With E&O insurance, you can safeguard your business and your reputation while minimizing the risk of costly litigation that could damage your bottom line.
Fast and Reliable Coverage
Harper Insure offers quick and easy access to Errors and Omissions Insurance. You can get a quote in minutes, with an instant certificate to provide to your clients or partners. Our process is simple and designed to ensure you can get the protection you need right away. We understand that time is critical, so our fast processing ensures that you are always prepared to meet client, landlord, or contract requirements without unnecessary delays.
Affordable Rates
At Harper Insure, we offer affordable rates for Errors and Omissions insurance, tailored to your business needs. Our team works with you to find the right coverage that fits your budget while protecting your business from the risks of lawsuits and negligence claims. We ensure that you are fully covered for common liabilities in your profession, without overpaying for unnecessary coverage. Whether you're a small business owner or a large corporation, we offer pricing that is competitive and aligned with your unique needs.
Compliant and Trustworthy
We provide E&O insurance from A-rated carriers, ensuring that your policy is backed by reputable and trusted insurance providers. Harper Insure helps you meet contract requirements, provide proof of coverage to clients, and stay compliant with legal standards. We understand the nuances of your industry and work to ensure your business is protected from claims of negligence or error, no matter how complex the situation. Our reliable carriers offer the protection and confidence you need to operate without worrying about lawsuits.
Frequently Asked Questions
What is Errors and Omissions insurance?
Errors and Omissions insurance provides protection for professionals against claims of negligence, mistakes, or inadequate service. It covers legal defense costs, settlements, and judgments related to such claims. This type of insurance is vital for businesses providing professional services, where clients rely on the expertise and advice provided.
How much does it cost?
The cost of Errors and Omissions insurance depends on your business size, industry, and the risks involved. Typically, small businesses can expect to pay between $500 and $1,500 per year. Larger businesses or those in high-risk industries may pay more. A specialist from Harper Insure can help determine the best coverage for your needs at an affordable rate.
Can I add E&O to my policy?
Yes, you can add Errors and Omissions insurance to an existing business policy. Many businesses choose to bundle E&O coverage with their general liability or professional liability policies for added protection. Harper Insure can help assess your current coverage and offer recommendations to integrate E&O insurance into your existing policies.
How fast can I get a certificate?
Once you purchase your Errors and Omissions insurance, you can receive your certificate of coverage instantly. Harper Insure offers quick processing to ensure you can provide proof of insurance immediately to meet client or contract requirements. Our efficient system ensures no delays in getting you the necessary documentation.
Is E&O coverage required by law?
While E&O coverage is not legally required, many clients, contractors, and businesses require it as part of their contracts. It's also recommended for professionals to have E&O insurance to protect themselves from legal action and financial risks associated with mistakes or omissions in their work.
Can I add other coverages?
Yes, Harper Insure offers additional coverage options such as general liability insurance, workers' compensation, and property insurance. We can help you build a comprehensive insurance package that addresses all your business needs and risks.
