Errors & Omissions
Errors & Omissions (E&O) insurance, also known as Professional Liability, protects the advice, service, and work your clients pay you for.
Backed by industry leaders
What is Errors & Omissions?
Protection for third party claims of financial losses while providing a professional service. E&O is also known as Professional Liability Insurance.
It pays the claim and the legal defence, which matters most when the allegation turns out to be wrong, because you still have to answer it.
What does E&O cover?
01 / 04What makes Foxquilt's E&O different?
Priced for the work you actually do
We ask about the services you actually sell, then build the E&O policy around them. Free Additional Insureds included.
Fast, easy, and digital
Quote and buy your policy from your phone, tablet or laptop - on your own, or with our team on the line.
Hassle-free policy documents
After you purchase your policy, you'll get your documents and certificates automatically in your inbox.
Foxquilt's E&O is built for…
Consultants & Coaches
Clients hire you for judgement. When a strategy underperforms or a recommendation is blamed for a loss, E&O is the coverage that will support you - and the one contracts frequently require.
Tech & Creative
A launch slips, a build breaks in production, or a campaign misses what was scoped. E&O can cover the financial loss your client says the work caused, plus the defence.
Licensed Professionals
You are held to a professional standard, and a paperwork error can cost a client a deal. Most licensing bodies and brokerages require E&O in writing.
Beauty & Health
Clients trust you with their look, their skin, and their wellbeing. When a service is blamed for an unwanted result or a reaction, E&O responds to the claim and the defence.
Answers in, certificate out.
A few questions, no paperwork.
Concise but thorough, we ask what we need to ensure your policy is actually designed to protect what you do. No confusing forms, no waiting on someone to get to it Monday.
Concise but thorough, we ask what we need to ensure your policy is actually designed to protect what you do.
A real price you can buy on the spot.
Your E&O quote is priced instantly with limits that you can move up or down. Choose a payment plan that works for you and pay online to put the coverage in force.
Your E&O quote is priced instantly with limits you can move up or down. Choose a payment plan and pay online.
Certificates and policy docs, straight to your inbox.
Your COI and policy documents are emailed the moment you buy, so you can send proof of insurance before the day is out.
Your COI and policy documents are emailed the moment you buy.
Built for North American small businesses
We write Errors & Omissions on both sides of the border. Whether you're a Vancouver consultant or a Jersey design studio, we've got your back.
United States
CanadaWhat else does your business need?
Commercial General Liability
Protection for third-party claims involving bodily injury and property damage by your business.
See CGL Coverage →Can cover medical care and lost wages when one of your own employees is hurt on the job. Required in most states the moment you hire your first employee.
Learn More→Can cover the vans, trucks, and trailers you drive for work. Your personal auto policy very likely excludes business use.
Learn More→Can cover a breach of your client data, a ransomware lock-out, or a wire transfer sent to a fraudster. Often bought alongside E&O by service firms.
Learn More→Can cover your own stuff - the office, the equipment, the laptops. E&O protects your work; this protects what you use to do the work.
Learn More→There's little to no difference between the two; Professional Liability and Errors & Omissions (E&O) are used interchangeably. The only difference, for when term is used over the other, is dependent on the kind of businesses or professions being covered. Check out our blog for more info.
It depends on a multitude of factors, like what you do, your revenue, where you work. Rest assured though, the quote you see online is the real price, not an estimate we revise later.
Depending on where your business is located and the work that you do, coverage limits available to you range from $50,000 to $2,000,000.
Your first COI is emailed the moment your payment clears. After that you can generate a new one yourself - including naming an additional insured - in about a minute, as many times as you need, at no charge.
Yes, and we don't charge for it. Add them during the application or any time after, then download the certificate showing them named.
Third-party bodily injury or property damage (that’s Commercial General Liability), injuries to your own employees (Workers' Compensation), damage to your own property or tools (Commercial Property), and accidents in your work vehicle (Commercial Auto). We can help you quote all four alongside your E&O.
They answer different claims. Commercial General Liability responds to injury and property damage; Errors & Omissions responds when a client says your work, advice, or a missed deadline cost them money. A growing number of client contracts now require both, and with Foxquilt you can buy them together.
Yes. Pay the annual premium up front, or spread it across monthly instalments at checkout. Either way coverage starts as soon as the first payment is confirmed.
Claims-made coverage responds based on when the claim is first made against the insured and reported to the insurer - not necessarily when the underlying error, omission, or injury occurred. For coverage to apply, the claim must generally be made and reported during the policy period, arise from an act occurring on or after the retroactive date, and fall within the policy’s terms and limits.
What real small business owners say after choosing Foxquilt.
The process was smooth and simple. In addition to that, they offered the best coverage out of all of the other companies I researched.
I've been a client at Foxquilt for the past year, having switched my business insurance over because of their affordable rates and seamless service. I recently had to file a claim and couldn't be more pleased with the care and service that Nick offered in the process. Thanks to him, things got resolved quickly and easily. Happy to have landed at Foxquilt.
Foxquilt gets me the insurance on time to get the job!
Get your E&O quote in under ten minutes.
Answer a few questions and get your policy documents straight to your inbox today.