No matter how dedicated, skilled, or experienced you are, mistakes are simply part of being human. Even the most attentive professionals can slip up—a misplaced decimal, a proofreading error, or a simple oversight. These things happen to all of us, and it’s nothing to be ashamed of! What matters most is how we protect ourselves and our clients when they do.

It’s easy to think that only major errors or outright negligence lead to lawsuits, but even innocent mistakes can have big consequences. A tiny clerical error could mean financial loss or reputational damage for your client, and sometimes, that’s enough for them to seek compensation. That’s why it’s so important to know exactly what your business insurance covers—traditional plans usually protect you from bodily injury or property damage but may not help if a client loses money because of a service-related oversight.

Errors and Omissions (E&O) insurance is here to fill in the gaps, giving you peace of mind and the confidence to focus on what you do best. It’s specifically designed to protect you and your team from claims of mistakes, oversights, or delays that might happen during your everyday work. With E&O, you know you’re covered, even when life gets unpredictable.

• Printers
• Building-trades contractors
• Designers
• Advertising agencies
• Doctors
• Lawyers
• Accountants
• Architects
• Engineers
• Wedding planners

If you offer a service that could go awry or be delayed—and that might impact a client’s finances or reputation—E&O insurance deserves your attention. It’s a safety net for anyone whose work matters to others.

E&O insurance steps in when a client claims that a mistake, omission, or negligent act in your service caused them harm. This coverage typically extends to:

• Business owners
• Salaried and hourly employees
• Subcontractors working for your company

The beauty of E&O is its flexibility—it can be customized for your field and the unique risks you face. Whether your work is in real estate, printing, or any other industry, E&O helps you bounce back from those “oops” moments.

• Monthly payment options to make budgeting a breeze
• Coverage for everyone on your team, including temps and independent contractors
• Protection for past work—so you’re covered for claims about earlier projects
• Worldwide protection (as long as claims are filed in the U.S., its territories, or Canada)
• Quick and caring claims support when you need it most
• Tailored coverage for your unique business
• Knowledgeable agents who are ready to help with genuine care
• Coverage that satisfies most contract insurance requirements

In the busy world of service, mistakes will happen no matter how hard we try. What’s important is knowing you have support when you need it. E&O insurance is more than a policy—it’s a friendly safety net that lets you work with confidence, build trust, and focus on doing great things for your clients.