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E&O · service businesses · 25+ carriers

Get E&O insurance. Covers professional mistakes.

Professional liability (E&O) insurance covers claims that your professional services caused financial harm to a client: a consulting recommendation that did not work, a software bug that caused data loss, a design that did not meet specs. GL does not cover professional services; you need separate E&O. We compare quotes from 25+ specialty carriers for your specific service category.

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All 50 states + DC 60-day money-back SOC 2 Type II
How it works

How we handle Professional Liability, end-to-end.

Professional liability (E&O) insurance covers claims that your professional services caused financial harm to a client: a consulting recommendation that did not work, a software bug that caused data loss, a design that did not meet specs.

1

Service category

We identify your service category: tech (SaaS, IT services), professional services (consulting, accounting), creative (design, marketing), advisory (financial, business consulting). Each has different carriers and rates.

2

Quote comparison

We submit to 25+ E&O carriers and return the top 3-5 options. Tech E&O often bundled with cyber liability; advisory E&O may include defense costs inside or outside limits (matters for severity).

3

Coverage selection

Standard $1M per claim / $1M aggregate. Higher limits for B2B SaaS, regulated industries. Choice between defense costs inside (eat into limits) or outside (additional).

4

Bind + certificate

Bind with chosen carrier. Certificate issued for clients requiring proof of E&O.

What we'll set up for you

A clean handoff, in four steps.

You give us the basics. We handle the state, the IRS, and the compliance clock so you can focus on the business.

01 · Name + Brand

A name that's actually available.

Real-time check against the state register, USPTO trademark database, and matching domains.

02 · State filing

Filed with the Secretary of State.

We submit your Articles, pay the state fee on your behalf, and return the stamped certificate.

03 · Federal IDs

EIN + the right tax setup.

Federal Employer ID with the IRS, plus state tax accounts when your business needs them.

04 · Stay compliant

Registered Agent + deadline tracking.

Your agent on file in every state, with every renewal and annual report tracked in one calendar.

Pricing

Transparent professional liability pricing.

Government fees pass through at cost. No upsells.

Standard quote

$0
Free quote, you bind direct.

Quote from 25+ carriers free. You pick a carrier and bind. Annual premium varies by service category: $500-$2,500/yr small consultancy; $1,500-$10,000/yr small SaaS; $3,000+/yr advisory or regulated.

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Tech E&O + Cyber bundle

$0
Combined E&O + cyber policy.

For SaaS and tech businesses: bundled E&O and cyber liability coverage from carriers like Coalition or Vouch. Single carrier, single policy.

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Multi-line broker

$0
Full insurance broker relationship.

We act as your full insurance broker: E&O, GL, cyber, D&O, key person. One point of contact, coordinated renewals, claim support.

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FAQ

About the Professional Liability (E&O) Insurance Service.

What is professional liability insurance?
Professional liability insurance, also called errors and omissions (E&O), covers claims that your professional work, advice, or services caused a client financial harm, which the entity's liability shield does not address. Service and advice-based businesses especially need it, and we flag it alongside forming your entity.
Who needs professional liability insurance?
Consultants, agencies, accountants, designers, IT providers, healthcare and legal professionals, and anyone whose advice or work a client could claim caused a loss. If clients rely on your expertise, you likely need it. We flag it for advice- and service-based businesses at setup.
What does E&O cover?
It covers defense costs and settlements from claims of negligence, errors, omissions, missed deadlines, or failure to deliver as promised in your professional services. It does not cover physical injury or property damage, which general liability handles. We flag which coverage your work requires.
Does my LLC protect me from professional claims?
Only partly: the LLC shields your personal assets from business debts and others' actions, but you remain personally responsible for your own professional negligence, which is exactly why E&O exists. We set the entity and coverage up so both layers protect you.
Do clients require professional liability coverage?
Often yes: larger clients and many contracts require proof of E&O coverage before engaging you, and some regulated professions mandate it. We flag it as part of setup so you can meet client and contractual requirements without delay.
Is professional liability the same as general liability?
No: professional liability covers financial harm from your work or advice, while general liability covers physical injury and property damage from your operations. Many businesses need both, and we flag which apply so you are not left with a gap.
How much does professional liability cost?
It depends on your profession, risk, revenue, and coverage limits, with higher-risk advisory fields costing more. There is no flat figure. We flag it as part of your risk picture so you can size the coverage to your work and client requirements.
When should I get E&O coverage?
Before you take on client work that carries professional risk, since a claim can arise from your first engagement, and clients may require it up front. We flag it at setup so the coverage is in place before you are exposed rather than after a dispute.
Can File.Business help me set up my service business?
We form the entity that shields your personal assets and flag the professional liability and other coverage your service or advisory business needs, so the legal shield and the E&O policy cover their different risks together.

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Every deadline auto-tracked across your entities. Compliance Score visible year-round.
Transparent pricing
No hidden fees. No upsells at checkout. State fees disclosed upfront.

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