Errors & Omissions insurance protects professionals from claims of negligence. Essential for consultants, contractors, and service providers.
✓ Professional focus
✓ Claims made policies
✓ Expert underwriting
✓ Affordable rates
Quick Quote
❤️ Favorites (0)
Click the ❤️ icon on any provider to save favorites
Filter & Sort
All E&O Providers (5)
📋 Zurich
★ 4.9/5.0
$480 - $2040
Coverage Types:
Professional negligenceContractual liabilityDefenseErrors coverage
Deductible: $5000-$25000
Key Features:
- ✓ Professional coverage
- ✓ Defense included
- ✓ Claims made
PROS
- • AM Best A+ (Superior) Financial Strength Rating for Zurich American Insurance Company, with parent group reporting over $60B in annual gross written premiums globally
- • Strong appetite for complex and large-risk E&O placements, including technology E&O, miscellaneous professional liability, and media liability through a dedicated specialties division
CONS
- • Distributed exclusively through commercial brokers — no direct-to-consumer or online quoting for E&O, making it impractical for solo professionals and small firms
- • Generally oriented toward mid-market and Fortune 1000 accounts; premium minimums and underwriting appetite typically exclude freelancers, consultants, and micro-businesses
📋 CNA
★ 4.8/5.0
$460 - $1980
Coverage Types:
Professional negligenceContractual liabilityDefenseErrors coverage
Deductible: $5000-$25000
Key Features:
- ✓ Professional coverage
- ✓ Defense included
- ✓ Claims made
PROS
- • AM Best 'A' (Excellent) financial strength rating on core CNA property/casualty subsidiaries, backed by publicly disclosed financials through CNA Financial Corp (NYSE: CNA) and majority-owner Loews Corporation
- • Long-standing specialty E&O programs for specific professions — including CNA's Accountants Professional Liability program (marketed in partnership with the AICPA for decades) and dedicated Lawyers, Architects & Engineers, and Technology E&O practices
CONS
- • Distribution is broker/agent-only — no direct-to-consumer online E&O quoting, so solo practitioners and small firms typically cannot bind coverage without going through an independent agent or wholesaler
- • Underwriting is class-specific and appetite-driven; firms in higher-hazard niches (e.g. SEC-registered investment advisers, construction design-build, certain healthcare allied classes) may be declined or heavily sub-limited
📋 Berkley
★ 4.7/5.0
$440 - $1920
Coverage Types:
Professional negligenceContractual liabilityDefenseErrors coverage
Deductible: $5000-$25000
Key Features:
- ✓ Professional coverage
- ✓ Defense included
- ✓ Claims made
PROS
- • Decentralized operating-unit model: dedicated E&O underwriters at Berkley Select (lawyers/A&E), Berkley Professional Liability (large-firm/financial institutions), and Berkley Custom (miscellaneous professionals) — meaning a niche profession typically gets a specialist underwriter rather than a generalist
- • AM Best 'A+ (Superior)' Financial Strength Rating across the W. R. Berkley insurance subsidiaries, important for E&O buyers whose contracts often require an A- or better carrier
CONS
- • Sold almost exclusively through wholesale and retail brokers — no direct-to-consumer or online quoting portal, so small businesses cannot buy a Berkley E&O policy without going through an agent
- • Limited brand recognition with end-insureds; because policies are issued by individual operating units (e.g., 'Admiral Insurance,' 'Berkley Insurance Company,' 'Carolina Casualty'), buyers often do not realize they are with Berkley
📋 Hartford
★ 4.6/5.0
$420 - $1860
Coverage Types:
Professional negligenceContractual liabilityDefenseErrors coverage
Deductible: $5000-$25000
Key Features:
- ✓ Professional coverage
- ✓ Defense included
- ✓ Claims made
PROS
- • AM Best A+ (Superior) financial strength rating with continuous operation since 1810, giving long-tail E&O claims a financially stable carrier behind them
- • Offers E&O as part of an integrated Business Owner's Policy (BOP) bundle, allowing small consultancies to combine general liability, property, and professional liability under one Hartford policy with a single deductible structure for some claims
CONS
- • Limited appetite for higher-risk professions — typically declines or non-renews E&O for classes like real estate appraisers in declining markets, mortgage brokers, and certain financial advisors
- • Does NOT write medical malpractice or lawyers professional liability, so professionals seeking a single-carrier solution across multiple licensed professions cannot consolidate with Hartford
📋 Hiscox
★ 4.5/5.0
$400 - $1800
Coverage Types:
Professional negligenceContractual liabilityDefenseErrors coverage
Deductible: $5000-$25000
Key Features:
- ✓ Professional coverage
- ✓ Defense included
- ✓ Claims made
PROS
- • Purpose-built E&O appetite for hard-to-place professional services classes — consultants, IT/tech, marketing, design, bookkeepers, and 180+ professions — rather than E&O bolted onto a generalist BOP
- • Direct online quote, bind, and certificate-of-insurance issuance in minutes for many eligible E&O classes, without requiring a broker
CONS
- • Not licensed to write direct business in every state — Hiscox typically excludes or restricts new direct E&O purchases in Alaska (and historically has had limited availability in a small number of other states); confirm eligibility at quote
- • Built for small and micro-businesses — revenue and headcount eligibility caps mean mid-market and larger firms are often declined or referred to the broker channel
How to Choose
- • Compare quotes from multiple providers
- • Review coverage types and deductibles
- • Check customer ratings and reviews
- • Look for available discounts
- • Verify policy terms and conditions
Quick Tips on YouTube
60-second insights from @InsuranceCompareGuru
5 Business Insurance Types You CAN'T Skip
5 Business Insurances Every Owner NEEDS
Business Insurance Bundle Hack Saves Thousands