Errors & Omissions
Claims that your work was inaccurate, incomplete, or failed to meet professional standards.
Independent Insurance · Est. 1959
One Alleged Mistake Can Cost You a Client and a Lawsuit
Professional liability — errors and omissions — pays to defend you when a client says your advice, design, or service caused them a financial loss. We compare E&O programs from multiple top-rated carriers and match the form to the professional services you actually deliver.
Serving clients since 195940+ carriersLicensed nationwide
Get My Insurance Options
Tell us a little about your business. A licensed insurance advisor will review your needs and contact you to discuss your options.
Professional Liability / E&O
What professional liability insurance covers.
Defense and damages for claims arising out of the professional work you perform.
Legal Defense Costs
Attorney fees, expert witnesses, and court costs — even when the allegation is groundless.
Missed Deadlines & Delays
Financial harm a client claims resulted from late delivery or failure to perform.
Subcontractor & Vendor Work
Exposure created by the outside professionals you engage on a client's behalf.
Regulatory & Licensing Defense
Coverage options for disciplinary proceedings tied to your professional license.
Prior Acts & Tail Coverage
Retroactive dates and extended reporting periods so past work stays protected.
General liability won't respond. GL covers bodily injury and property damage. A claim about the quality of your professional work is specifically excluded — that's what E&O is for.
Family-owned since
1959
Why Mayer & Steinberg
Boutique service. Institutional reach.
Independent agency
We answer to you — not a single carrier.
40+ carrier network
Real market access for real competitive pricing.
Competitive pricing
Side-by-side quote comparisons, every renewal.
Personalized guidance
A dedicated advisor — not a call center.
Long-standing reputation
Serving businesses and families since 1959.
Process
From first call to bound coverage.
A streamlined process designed around your time, not ours.
- 01
Submit Review
Share a few details about your business in just a few minutes.
- 02
Discuss risks
A licensed advisor walks through your exposure and gaps.
- 03
Compare Coverage Options
We review coverage options from leading insurance carriers and present the solutions that best fit your business.
- 04
Get coverage
Bind the right policy, with ongoing support at renewal.
Clients
Trusted by professional firms.
"A client dispute went nowhere legally, but the defense cost would have hurt. The policy handled it."
Laura B.
Principal, Design Firm
"They read our master services agreement and matched the E&O limits to it exactly. No guesswork."
Tom W.
Managing Partner, Consulting Group
Who we place professional liability for.
- Consultants, marketing agencies, and technology service providers
- Accountants, bookkeepers, and financial and insurance professionals
- Architects, engineers, and design-build firms
- Real estate brokers, property managers, and title professionals
- Staffing, HR, and management consulting firms
- Medical and allied health practices needing malpractice-adjacent coverage
FAQ
Professional liability questions we hear most.
What is the difference between E&O and general liability?
General liability responds to bodily injury and property damage. Professional liability responds to financial loss a client suffers because of your advice or services. Most firms need both.
What does 'claims-made' mean?
Coverage applies to claims reported while the policy is in force, provided the work occurred after your retroactive date. Continuity matters — a lapse can erase years of prior-acts protection.
Do I need tail coverage if I retire or switch carriers?
Often yes. An extended reporting period lets you report claims after the policy ends for work already performed. We price it before you make a change, not after.
My clients require E&O in our contract. What limit is typical?
Contracts commonly require $1M per claim, with larger engagements asking for $2M to $5M. We'll read the insurance clause and quote to what it actually demands.
Does E&O cover a cyber breach?
Only partially, and often not at all. Technology and cyber exposures usually belong on a dedicated cyber liability policy, which we can quote alongside your E&O.
Get My Insurance Options
Tell us a little about your business. A licensed insurance advisor will review your needs and contact you to discuss your options.
Serving clients since 195940+ carriersLicensed nationwide