No one requires it. Should I carry it anyway?

Carrying errors and omissions coverage when nothing requires it is a judgment call, and the cost that arrives first is defense rather than a verdict. Defense costs start running before anyone decides whether the work was actually wrong. A dissatisfied client’s claim is normally pure financial loss, with nobody injured and nothing damaged, and general liability is built mainly around bodily injury and property damage. Know the product’s edges before you rely on it, because a demand that you redo the work or refund the fee is frequently excluded or limited, even though it feels like the most obvious claim there is. Where the real exposure sits elsewhere, a different policy answers it, and an employee claim or a theft of client money are the common examples.