Professional Liability (E&O) Insurance – Protecting Your Services
Coverage For Mistakes And Negligence Claims
Advice and deliverables carry expectations. When a client alleges an error, missed deadline, or financial loss,
professional liability insurance Wisconsin (E&O) helps with defense costs and settlements. Head Insurance Agency supports consultants, IT pros, accountants, designers, real estate professionals, and agencies across Sherwood and Appleton with coverage that fits how you work.
Who needs E&O coverage
If your work guides client decisions or manages projects, you have exposure—even with airtight contracts. Many Fox Valley engagements and vendor agreements require proof of E&O. We help sole proprietors and growing firms meet contract terms, add additional insured or waiver language when available, and coordinate needs with
general liability insurance and
cyber liability for a complete risk picture.
Coverage Specifics And Policy Mechanics
E&O focuses on financial harm from your services, typically written on a claims-made basis. We’ll discuss prior acts dates, retroactive coverage, tail options when retiring, and territory requirements if you serve clients beyond Wisconsin. Head Insurance Agency aligns limits with client contracts and industry norms so you can bid and deliver with confidence.
Professional Liability Questions, Answered
Is E&O the same as GL?
No—GL addresses bodily injury and property damage; E&O covers service-related financial loss.
Do LLCs still need E&O?
Yes—entity status doesn’t stop client claims.
How are premiums set?
By profession, revenue, services, and claim history.
Can I combine tech E&O and cyber?
Often—ask about packages that blend both for IT-focused firms.