Professional Liability (E&O)

Professional liability insurance, also known as errors and omissions coverage (E&O), can help protect you and your business from claims due to your negligence, misrepresentation, breach of contract or advice while delivering professional services.

Deep Expertise to Protect You and Your Business


Professionals all over the world put their trust in Berkley to design professional liability insurance that can help protect them, their reputation and their business. Lawsuits and defense costs are becoming more expensive in today’s litigious environment, so it’s important to have the right professional liability coverage in place protecting your assets.

Check out our Berkley Locator to discover which Berkley insurance business may be right for your Professional Liability insurance needs. 

How We Protect You

Berkley’s professional liability insurance can help protect you and your business if claims or lawsuits occur from the services you perform or information you provide to customers.  Even when the lawsuit is without merit; the defense cost and damage to your reputation can be substantial.  We have the ability to quote, bind and issue coverage online for small businesses.  For those in need of more customized product solutions, we have professionals who can assist you with a tailored product to address the risks inherent within your business.


Professional Liability Highlights: 

  • Professional Liability is designed to protect you against liability as result of an error or omission in performing your professional services. 

  • Defense Costs are legal expenses involved in defending a claim; these costs can be included within or in addition to the policy limit. 

  • Personal and Advertising Injury can be included in Professional Liability.   

  • Mergers and Acquisition can be included automatically in subsidiary coverage. 

  • Cyber Liability, which can protect your business from data breaches and other cyber security issues, can be included in the policy.   

  • Professional Liability policies are written on a Claims-Made or Occurrence basis. The key difference is how coverage is activated. Claims Made policies cover claims that are reported during the policy period or extended reporting period and occur after the retroactive date. Occurrence policies cover claims that happen during the policy period, regardless when the claim is filed.

  • Other coverage options may be available, including a combined general liability and professional liability policy as well as an excess professional liability policy. 

Risk Management Services and Additional Resources may include: 

  • Advisory Bulletins 

  • Claim Studies 

  • Webinars 

  • Newsletters  

  • Sample of Engagement Letter 

  • Contract Guides 

 Professions in which Berkley has professional liability expertise includes but is not limited to: 

  • Accountants 

  • Architects & Engineers 

  • Claims Adjusters 

  • Collection Agencies 

  • Consultants  

  • Contractors  

  • Insurance Agents & Brokers 

  • Lawyers 

  • Marketing & Advertising Agencies 

  • Printers  

  • Property Managers 

  • Real Estate Agents 

  • Technology 

  • Title, Abstractors, and Escrow Agents

Berkley Locator

Find your Berkley solution

Choose an industry and/or product to find the best Berkley solution for your needs. Or click Search to view all Berkley insurance providers.

What Our Customers Say

“I was very fortunate to have Preferred Employers Insurance take over my case. I was at a standstill until their team started handling my situation. The company is great at what they do and anyone else who has the pleasure of working with them will find out the same! Thanks again so very much!”

— Frank V.

Waste Water Operator, Planada Community Service District.

“Berkley One has been amazing!!! You have really gone above and beyond for us and made this very annoying accident as easy as possible.”

— Amy G.

Client in Illinois.

“I am incredibly pleased with the claim management, guidance, consult calls and quality of service we receive from Midwest Employers Casualty. The team is committed to prompt and efficient service - and is readily available for consult calls. The process is effortless, efficient, seamless and productive.”

— Tawanna B.

Senior Benefits Manager, Blue Cross Blue Shield of Michigan.

“Our Berkley Environmental Claims Adjustor has been incredibly responsive to us, and has clearly taken the time to research the particulars of this claim. She has contacted and spoken with our client, and has explained to him and to us what she has been able to determine from her thorough research of the information presented so far in this claim. I am thankful that we have a competent, professional, dedicated, and pleasant-to-work-with adjuster in our corner.”

— Mary F.

Business Manager, Tech Painting Co.