Professional Liability · E&O · Minnesota
If you provide professional advice, consulting, or specialized services, you can be sued for errors, omissions, or failures in your work — even when you did everything right. Professional liability insurance (also called E&O — Errors & Omissions) covers your legal defense and any damages awarded.
What's Covered
If you provide professional advice, consulting, or specialized services, you can be sued for errors, omissions, or failures in your work — even when you did everything right. Professional liability insurance (also called E&O — Errors & Omissions) covers your legal defense and any damages awarded.
Covers claims that your professional services caused a client financial harm — whether from a mistake, oversight, or failure to deliver what was expected. Defense costs are typically covered in addition to damages.
Most professional liability policies are written on a claims-made basis — they cover claims made during the policy period, not when the incident occurred. Understanding your retroactive date and tail coverage is essential.
Professional liability policies typically pay defense costs in addition to the policy limits — not eroding them. Even a frivolous lawsuit can cost $50,000+ to defend; this coverage protects your ability to fight back.
Some policies cover the cost of responding to licensing board complaints and regulatory investigations — not just civil lawsuits. Important for healthcare providers, financial advisors, and licensed professionals.
For businesses providing technology services or software, tech E&O covers claims arising from software failure, data errors, or technology performance issues that cause client losses.
Why Dayton Insurance
We're not tied to one carrier's products. We shop across multiple companies to find the right fit — and stay with you through every renewal.
Not every carrier writes this coverage well. We work with specialty markets that understand your situation — and price it accurately.
We compare across multiple A-rated carriers to find coverage that fits your situation, not a one-size-fits-all policy.
From your first quote through every renewal, you work with the same licensed Minnesota producer — not a different rep each time.
Ready when you are
Fill out the form and we'll get back to you within one business day. Prefer to talk now? Call or text (651) 243-0056.
Common Questions
General liability covers third-party bodily injury and property damage. Professional liability covers financial losses caused by your professional advice or services. Most professionals need both — they cover different risks.
Yes. Contracts provide some protection but can be challenged in court — and the cost of defending a contract dispute is itself significant. E&O covers your defense costs and any damages if the indemnification clause doesn't hold.
A claims-made policy covers claims reported while the policy is active, regardless of when the incident happened. When you cancel a claims-made policy, you lose coverage for past work unless you buy 'tail' coverage. We explain this clearly before you buy.
It depends on your revenue, the size of contracts you work on, and the financial impact your errors could have on clients. Common limits are $1M/$1M or $1M/$2M. We'll help you size it appropriately.
