Errors & Omissions

It is the date back to which your policy may respond. Keeping it intact when you renew or switch policies helps protect past work.

Not universally, but many professions, licensing bodies, and clients require it. We can review your situation with you.

A claims-made policy generally responds to claims made while the policy is active, provided the incident occurred after your retroactive date. Letting coverage lapse can create a gap. ...

General liability covers third-party bodily injury and property damage. E&O covers financial harm from your professional work. Most businesses that give advice need both.

It depends on how the form defines who is insured. Many professional forms extend to work performed on your behalf, so a claim arising from a subcontractor's error can ...

No, and this is worth being precise about. A claims-made policy responds to claims first made and reported while it is in force. Once it ends, a new claim ...

Cancelling it can leave every year you worked unprotected. A claims-made policy responds to claims reported while it is in force, so once it ends there is nothing to ...

Not as a liability claim, and only through a separate sublimit if at all. A regulatory or licensing board inquiry is not a third party suing you for financial ...

It decides who controls whether your claim settles. Many E&O forms require your agreement before the insurer can settle, which matters when the allegation touches your professional reputation. The ...