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Home > Blog > Do You Need E&O Insurance? - American Ins & Inv Corp
THURSDAY, APRIL 14, 2022

Do You Need E&O Insurance?

Errors and omissions (E&O) insurance protects you and your company in the event that a client is dissatisfied with a service you delivered or failed to deliver. Other names include malpractice insurance and professional liability insurance.  

Companies that aren't covered by E&O insurance assume a serious financial risk. In the event that a client accuses you of making errors or omissions, you could face serious losses, which are typically not covered under a general liability policy. 

Even if the lawsuit is found groundless, litigation is both time consuming and expensive. In today’s environment, defense costs quickly add up. For a smaller company or an individual, the total sum could be quite damaging, unless you’re backed by E&O insurance. 
Man talking over insurance
Who Needs E & O Insurance? 
Doctors, lawyers, accountants, architects, engineers and other professionals who provide a service to clients are some of the most common professionals who benefit from E& O coverage. But if you have a business that provides a product or service to your client, you're exposing your business to the risk of an errors and omissions claim. This ranges from advertising agents to web hosting companies, and even wedding planners. 

With that in mind, a wide range of businesses should consider the repercussions of a service that is not done correctly or on time. If negligence or errors costs your client money or damages their reputation, you could be held responsible. 

Why Should My Company Have Coverage? 
No matter who you are or what you're doing, everyone makes mistakes. Even with the most talented and cautious employees and solid risk management practices, mistakes are inevitable. But when they're made, somebody needs to own up to them. 

If an advertising agency promotes an ad that offends an audience, which leads to a loss of customers and a damaged reputation, who will pay the loss?  

If a web hosting service that promises security and protection against data loss is attacked, exposing thousands of websites and user information, who pays for the damage?  

The bottom line is that E&O insurance can protect your business from the expenses associated with mistakes or cases of negligence. This includes defense costs, personal injury such as libel/slander and copyright infringement. 
Posted 3:26 PM

Tags: e&o insurance
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