Business Insurance & Errors and Omissions
Every business faces risk, but those risks can look very different depending on the services you provide, the people you employ and the industry you operate in.
Clifton Insurance Agency helps businesses compare professional liability, errors and omissions, general liability and other commercial insurance options based on their actual operations.
Whether you are starting a new company, reviewing an existing insurance program or expanding into new services, our team can help you evaluate coverage designed around your business.
Complete the form below to request a business insurance quote or call 877-212-4368 for assistance.
Errors & Omissions Insurance
Errors and omissions insurance, also known as E&O or professional liability insurance, is designed for businesses that provide professional services, advice or expertise.
A client may allege that an error, omission, missed deadline, inaccurate recommendation or failure to perform a professional service caused them financial harm. Professional liability insurance can help address eligible defense costs, settlements or judgments, subject to the policy's terms and limits.
E&O coverage is different from general liability insurance and is especially important for businesses whose clients rely on their professional knowledge or services.
General Liability & Business Insurance
Professional liability is only one part of protecting a business.
General liability insurance typically addresses different exposures involving bodily injury, property damage and certain other claims arising from business operations.
Depending on the company, additional protection may also include property insurance, commercial auto, workers' compensation, cyber liability, employment practices liability, directors and officers coverage or umbrella and excess liability.
The right insurance program depends on what your business actually does.
Who Needs Professional Liability Insurance?
Professional liability may be appropriate for businesses that provide advice, design work, consulting, technical expertise or other specialized services.
Clifton Insurance Agency works with businesses in a variety of professional and specialty industries, including engineers, architects, consultants, healthcare organizations, law firms, energy companies and other businesses with professional liability exposure.
Professional Liability vs. General Liability
These coverages protect against different types of claims.
Professional liability generally addresses allegations involving your professional services, advice or failure to perform as expected.
General liability generally addresses claims involving bodily injury, property damage and other operational exposures.
A business may need both.
For example, a consultant could face an E&O claim alleging that professional advice caused a client's financial loss, while the same company could face a general liability claim if a visitor were injured at its office.
Cyber Liability for Businesses
Businesses of almost every size now store customer information, communicate electronically and rely on technology to operate.
Cyber insurance can provide another layer of protection for eligible events involving data breaches, ransomware, network security and privacy liability.
Cyber coverage should be evaluated separately from E&O and general liability rather than assuming one policy automatically covers all technology-related risks.
Directors & Officers and Employment Practices Liability
Businesses with employees, directors or officers can also face management-related claims.
Directors and Officers insurance may address certain allegations involving decisions made by company leadership, while Employment Practices Liability Insurance can address covered employment-related allegations such as discrimination, harassment, retaliation or wrongful termination.
These coverages serve different purposes from traditional E&O or general liability insurance.
Business Owners Policies
Some qualifying small and mid-sized businesses may be able to combine common property and liability coverages through a Business Owners Policy, or BOP.
A BOP may include property, business interruption and general liability protection, but professional liability, workers' compensation and commercial auto generally require separate coverage.
That distinction is important for professional service businesses that assume a standard business package automatically includes E&O.
Insurance That Fits Your Business
Two companies in the same industry can still have very different insurance needs.
The right coverage can depend on your services, revenue, number of employees, locations, contracts, clients and previous claims.
Clifton Insurance Agency can help identify the exposures that matter most to your organization and compare available policies based on those risks.
Why Work With Clifton Insurance Agency?
Clifton Insurance Agency has specialized in professional liability and niche insurance markets since 1982.
We work with businesses ranging from individual professionals to larger organizations and help clients evaluate both specialized liability coverage and broader commercial insurance needs.
Our goal is to help you understand what your policies cover, where potential gaps exist and what options are available.
Request a Business Insurance Quote
Your insurance program should reflect the business you actually operate.
Tell us about your company, services and existing insurance using the quote request form, and Clifton Insurance Agency can help you evaluate available business insurance and professional liability options.
Request a business insurance quote online or call 877-212-4368 for assistance.
Business Insurance FAQs
What is errors and omissions insurance?
Errors and omissions insurance, or E&O, is a form of professional liability insurance that can help protect businesses against covered claims alleging mistakes, negligence or failure to properly provide professional services.
Is E&O insurance the same as general liability?
No. E&O generally focuses on professional services and financial harm, while general liability primarily addresses risks such as bodily injury and property damage arising from business operations.
Does a Business Owners Policy include professional liability?
Usually not. Professional liability typically needs to be purchased separately or added through a specific endorsement or other policy arrangement.
What types of businesses need E&O insurance?
Businesses that provide advice, consulting, design, technical expertise or other professional services may benefit from E&O coverage. Contractual requirements can also require professional liability insurance.
Can Clifton insure more than just professional liability?
Yes. Depending on the business and available insurance markets, Clifton can help evaluate professional liability alongside other commercial coverages such as general liability, cyber liability, D&O, EPLI and related business insurance.