Professional Liability (E&O) Insurance

General liability covers the coffee you spill on a client’s laptop. E&O covers the advice, design, or code that cost them money. For anyone who sells expertise, it’s the coverage that actually matches the risk — and increasingly it’s a contractual requirement to win work at all. Below are real 2026 costs by profession, actual claim examples with the dollars broken out, an interactive look at what a claim would cost you, and a way to get matched with a specialist.

E&O cost by profession (solo, $1M limit)

Pricing tracks how expensive a mistake in your field tends to be. A consultant’s bad advice is costly; an engineer’s design error can level a building — so their premiums sit far apart:

What real E&O claims cost — defense vs. settlement

Here’s the part most people underestimate: even when you’re not clearly at fault, defending the claim costs real money before a dollar of settlement. These are representative claim scenarios with the two costs stacked together:

What a claim would cost you — with vs. without E&O

Pick a scenario and your deductible, and see the difference E&O makes. Without coverage you pay the whole claim; with it, you pay only your deductible and the carrier handles the rest:

Real errors & omissions claim examples

E&O claims rarely come from gross negligence — they come from ordinary professional life going sideways:

Frequently asked questions

Figures reflect 2026 benchmark data and are for general education only. Insoryx is not an insurance carrier; verify all quotes, limits, and contract requirements with a licensed professional-liability agent.