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E&O

Compare top providers and save up to 40% on your e&o.

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

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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
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📋 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
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📋 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

  • • Professional focus
  • • Claims made

CONS

  • • Expensive
  • • Complex policies
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📋 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

  • • Professional focus
  • • Claims made

CONS

  • • Expensive
  • • Complex policies
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📋 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

  • • Professional focus
  • • Claims made

CONS

  • • Expensive
  • • Complex policies
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