Errors and Omissions (E&O) Insurance

Finding the Right E&O Insurance Company and Coverage for Your Clients

Need Help Understanding E&O Insurance? Find It Here!

Errors and Omissions (E&O) insurance is complex and changes from business to business.

There’s no shortage of E&O insurance companies, but that doesn’t mean they’re all created equal.

The coverage you need will change based on your client’s class of business and their individual exposures. So before you pick your next client’s E&O insurance provider, take five minutes to understand the differences in exposures between business classes.

If you’d rather cut to the chase, you can book a call with us right now at ProWriters. We’ll answer all your questions.

E&O Insurance Products Summary

ProWriters is most recognized for its E&O insurance products and enjoys underwriting authority for several leading insurance companies.

E&O can be a very complicated insurance product—coverage terms and availability will change depending on the services being provided. Below is a list of the specific areas of E&O in which we focus:

Allied Healthcare (AHC) E&O

Allied Healthcare (AHC) E&O insurance is often referred to as Miscellaneous Medical; it’s a mix of medical-related risks, but it doesn’t fall under a Medical Malpractice policy.

Your client should have AHC E&O if they fit into one of these classes of business:

  • Adult day care centers
  • Drug rehab centers
  • Acupuncturists
  • Testing laboratories
  • Ambulance services
  • Medical staffing agencies
  • Chiropractors
  • Nurses
  • Counselors
  • Optometrists
  • Pharmacies
  • Dialysis centers
  • Occupational therapists
  • Physical therapists
  • Speech therapists
  • Physical training
  • Holistic medical services
  • Psychologists
  • Home health agencies
  • Sleep labs
  • Hospice care services
  • Spas
  • Massage therapists
Architects & Engineers (A&E) E&O

Architects and Engineers have very specific coverage needs in order to provide their services.

They need a policy that can protect their business no matter the project’s size. Even small projects can have many parties involved and when something goes wrong everyone gets brought into the claim.

A&E E&O insurance is relevant for business classes like:

  • Licensed architects
  • Licensed engineers
  • Construction and project managers
  • General contractors
  • Land surveyors
Cyber & Privacy Liability

Almost every business has a privacy exposure these days. With the laws continually changing, it can be very difficult to know what your client’s exposure is. From compromised credit card transactions to years of paper files going missing, whatever the exposure, ProWriters can help.

Do you need help understanding the Cyber & Privacy liability risks your clients are facing? Are you interested in a quote or have general pricing questions?

In either case, contact us—we can help you today.

Financial Institutions / Financial Services

Financial institutions and financial service providers—like securities brokers and dealers—face some of the most complex exposures. There are a limited number of markets that are willing to entertain these risks due to the complexity of the risk and level of the exposure.

Instead of wasting your time trying to find carriers that will offer E&O insurance coverage to your clients, contact us at ProWriters. We have relationships with the carriers that can manage this exposure, and have developed an expertise in this class of business.

Classes of business that we’ll work on with you include:

  • Insurance companies
  • Banks
  • Investment advisors
  • Fund managers
  • Securities brokers
  • Financial advisors
  • Insurance brokers

The healthcare industry often faces different regulations than a typical business. You need an E&O insurance companythat understands those differences. ProWriters can help.

If your client’s class of business is on this list, give us a call:

  • Hospitals
  • Physicians groups
  • Biotechnology companies
  • Medical research companies

Miscellaneous E&O or Miscellaneous Professional Liability (MPL) is a catch-all for all other professional risks that don’t fall into a specific area.

This class of business requires a good underwriter and carrier who can understand the risks of a unique business and tailor the coverage to meet the needs of the client.

The classes of business can range from:

  • Management consultant to trustee
  • Staffing agent to collection agent
  • Printer to freight forwarder

If your client’s business class is not listed, it most likely will fall into this category. We may be able to help you! Book a call to find out.


MultiMedia coverage is an E&O insurance product that was developed for the traditional publishers and broadcasters.

The world has changed. The way we disseminate content has changed, too.

If your client is one of the following, ProWriters can provide you with the coverage they need:

  • Broadcaster
  • Publisher
  • Magazine
  • Newspaper
  • Advertising agency
  • Website owner with a lot of content

Media coverage provides coverage for:

  • Intellectual property (IP) infringement
  • Breach of an IP license
  • Defamation
  • Negligent publication

Technology E&O is designed to cover a technology company for any claim of negligence in providing software or services. These claims are frequent.

If your client needs E&O insurance for one of these companies, you need to make sure they have broad coverage to respond to the broad range of claims that can be made against them.

Sample classes of business can include:

  • Contract software developers
  • Software licensing
  • IT consulting
  • Website developers
  • Hosting companies
  • Many more
Finding the Best E&O Insurance Coverage for Your Clients

ProWriters is happy to help you find the best coverage for your clients. You want them to have the coverage they need to stay protected, without paying for a bunch of policy stipulations they don’t need.

As laws and coverage requirements change from industry to industry, it’s important to stay up-to-date. Not just for your clients, but to protect yourself from any E&O claims.

ProWriters can help you find the best E&O insurance coverage for most classes of business. If you’d like to hear more about what we can do for you, book that call today.

Get coverage

We are your Professional and Management Liability coverage experts. Call us today to discuss your clients’ needs and coverage concerns.

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