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Security Insurance Group offers insurance for all aspects of your life. We can help you protect your home, your car, your business, and even your professional standing. Our coverage can cover you from the time you get up in the morning, through your work day, throughout your career, and as you travel from spot to spot to live your life. If you are in a profession that requires liability insurance, you may also need to look into errors and omissions insurance. If this term is new to you or you have questions about it, keep reading.

What is E & O Insurance

E & O stands for errors and omissions. This coverage covers liability you may have for errors you make in your professional capacity. These errors could be outright mistakes or omissions by forgetting to do something you needed to do.

Does E & O Insurance Cover Me or My Business

A good E & O policy should cover both you and your business. Be sure to ask your independent agent about a policy that covers both.

What Professions need E & O Coverage?Professions that need E & O are:

  • Medical
  • Legal
  • Accounting
  • Engineering
  • Financial services
  • Construction
  • Consultants of all types
  • Realtors
  • IT and web services
  • Auto mechanics
  • Lawn care
  • Vendors
  • Restaurant’s owners
  • Beauty salons

Many of these professions have mandatory malpractice insurance or are bonded, and there can be some overlap between these two types of insurance. Basically, if you promise and contract (implicitly or explicitly) that a good or service will be delivered in a timely manner and up to certain standards, then you need E & O insurance.

But I Always Keep My Word and Deliver as Promised

You may well deliver exactly as you say you will, and always do the best job possible, but in this litigious world, other may not see it as you do or may sue you for something else that goes wrong in the process and unfairly blame you. You need to protect your company, career, and reputation with E & O insurance.

What does it cover?

If a client claims you made a mistake, failed to deliver a product or service as promised, or that there was (when you believe there wasn’t) and they want compensation

What will it pay for?

E & O coverage can be used to pay for your lawyer fees, a judgment against you, and court costs.

Why E & O Insurance from Security Insurance Group?

Insurance agents at Security Insurance Group are independent agents. That means we work for you, not the big insurance agents. When you call a company directly and ask about policies, the company is, by the nature of the business, going to sell you a policy that protects them as well as you. Finding the balance that works in your favor takes knowledge of all the insurance companies, the policies, and your particular needs. An independent agent from Security Insurance Group is extensively trained and experienced to find you just the right coverage at just the right price.