Professional liability that's actuallyclearspecifiedyoursfairclear
If clients pay for your expertise, one alleged mistake can become a claim. Errors and omissions covers the advice and the work. We read the retroactive date and shop 20+ carriers.
Professional liability, line by line.
What an E&O policy covers, and the claims-made fine print that decides it.
| Coverage | What it covers | Good to know |
|---|---|---|
| Negligence and errors | Claims your work or advice fell short | The core of every E&O policy |
| Failure to deliver | Claims you did not perform as promised | Common in services and consulting |
| Defense costs | The cost of defending a covered claim | Confirm whether it sits inside or outside the limit |
| Claims-made trigger | Coverage tied to when a claim is filed | Not when the work happened. Watch the dates |
| Retroactive date | How far back covered work can reach | The single most important date on the policy |
| Tail coverage | Reporting claims after the policy ends | Vital when you switch carriers or retire |
E&O is claims-made, so the retroactive date and tail matter as much as the limit. We protect both when you move carriers.
Switching E&O carriers? Let us protect your retroactive date first, free.
Neighbors we’ve actually helped.
“Can't recommend these guys enough. Needed insurance fast for the DMV and my old insurance company was closed and wasn't answering my calls. Called these guys and over a 30min lunch break they hooked me up with renter's insurance and insurance for my cars and bike. They got me a better deal, too. Highly recommend because they DO NOT WASTE YOUR TIME like other companies.”
“I recently switched insurance carriers to PolicyNest KC and I couldn't be happier with the experience so far. I worked with Nick Rhodes, who was extremely friendly, helpful, and quick to respond. He explained everything in a way that was easy to understand, which was greatly appreciated since I'm definitely not an insurance expert. He made me feel like a person, not just a number. On top of that, PolicyNest KC saved me over $100 each month on my car and renters insurance, which is huge. Their mobile app is also super easy to use and makes managing my policies and making payments a breeze. I highly recommend PolicyNest KC and especially Nick for anyone looking to make a switch!”
“Amazing coverage at a great rate, they did not lie! Nick was absolutely great to work with, and he cut my bill in half! He did a great job explaining coverages in a way I could better understand, as well as the importance of the coverage to me so that I could better understand how to best protect my property. Nick was super knowledgeable, personable and made me feel like I was putting my protecting in caring hands. Thank you PNKC!!”
“PolicyNest KC is great. Nick Rhodes helped me every step of the way took my information, and found the right coverage to make it all happen. Showed me several options and found the best rates for me. If you need insurance, this place will make it quick and easy and will find you the best price for your circumstance. Highly recommend.”
“As a business owner, these guys were a lifesaver helping me scour through options to combine the different kinds of insurance my business needs in order for me to have peace of mind. I was helped by Hunter, a class act (and quite funny at that). Would highly recommend!”
“They saved me a ton of money on my new policy! They helped me understand my policy as well! Easy to work with and saving me money!”
“Nick is the man, helped me lower my car insurance $100/month for triple the coverage!”
“Nick was fantastic to work with. He offered great rates made everything nice and simple. Very pleased with my experience”
“Happy with the service and savings”
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Professional liability, answered.
The questions professionals ask before they place E&O.
Anyone paid for expertise or a professional service, consultants, accountants, designers, IT, real estate, and many trades. If a client could claim your work caused them a loss, E&O is the coverage that responds.
No. GL covers physical injury and property damage, not financial harm from your advice or work. The two are separate, and most professionals need both.
Coverage is triggered by when a claim is filed, not when the work was done, as long as it falls after your retroactive date. That makes continuity between policies critical, which we manage.
It sets how far back your covered work reaches. Lose it when you switch carriers and years of past work go uncovered. We carry it forward so that does not happen.
Most quotes are back within 48 business hours once we have your application. We reply to any question within 2 business hours.
Ready when you are