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Error & Emissions  Coverages

Errors & Emissions

Reducing the Cost of Error

As a property and casualty insurance agent, you offer expert advice and service to your customers to help protect their businesses. When it comes to insuring your own business, you deserve the same thoughtful level of attention.

Professional liability experts in our insurance agents errors & omissions (E&O) program will provide coverage options that meet the needs of your independent property and casualty agency.

Our toll-free hotline, staffed by our E&O claim specialists, provides advice when you need it most in order to mitigate potential claims.

What Your Policy Includes

You’ll find broad definitions of the professional services covered by your policy as well as a supplemental payments section. Policy limits up to $10 million and deductibles as low as $2,500 provide affordable, comprehensive coverage, including:

  • ​Consent-to-settle
  • Contractual and vicarious liability
  • Data compromise (at no additional cost)
  • First dollar defense
  • Full prior acts
  • Innocent insured (for fraudulent or dishonest acts)
  • ​Insurance carrier insolvency
  • Insured vs. insured (for personal lines placements)
  • Personal and advertising injury for professional services
  • Punitive damages (where allowed by law)
  • Vicarious fiduciary liability

Also available:

  • Employment practices liability coverage, available by endorsement with separate limits and deductible
  • Professional services extra expense coverage

Additional coverages are available exclusively for Liberty Mutual Insurance-appointed agents:

  • Reduced E&O deductible for claims arising out of Liberty Mutual placements
  • Extra expense coverage for disabling events affecting you or your customers


Property and casualty should represent 75 percent of your business, and your annual premium volume should be $1 million at minimum ($3 million in California and Texas). Businesses also should have a good loss history.

The E&O program is not available in Alaska, Alabama, Florida, Hawaii, Louisiana, Mississippi, New Mexico, Nevada, South Carolina, and West Virginia.

How to Obtain Coverage

We work with an established network of professional liability specialists across the country. Please contact the agency serving your area by selecting your state below. To obtain coverage or learn more, contact the representative for your state: