Errors & Omissions

General Liability does not protect a company from errors that happen in conducting its business.

Professional Liability Insurance (E&O) is designed specifically for exposures related to the delivery of professional or specialized services — risks that are usually excluded from General Liability business policies.

The coverage responds to claims and lawsuits where customers or clients allege they were harmed or suffered financial losses by the services they received — either through error, mistake, oversight, or other improper act.

PRS can secure E&O coverage for most classes of business, including:

  • Firms in certain unique or difficult classes or businesses with loss history.
  • Technology and healthcare related businesses – from software development companies to social networks or from adult day cares to counseling centers.
  • Professional liability for nursing homes, ccrc’s, and assisted living facilities.


Download E&O Overview and Loss Scenarios - This handout will explain E&O professional liability insurance in easy terms. Also included are loss scenarios you can discuss with your client.


Download Allied Health Malpractice Overview and Loss Scenarios - This quick cheat sheet will explain the basics of medical professional liability. There are also a few loss scenarios you can use with your clients.