Errors and Omissions Insurance Texas

Jermaine’s Mobile Service
Read More
Nick is really great , and very helpful with all the questions I had. He made me not want to look for no other insurance company.
Juan Flores
Read More
Nick is my go to guy for all things insurance! He is knowledgeable, professional, honest and an all around good guy. If you're shopping around for insurance, you can't go wrong with Nick!
Rebecca Banuelos
Read More
Nick was able to get us insurance for our business quickly. He’s professional and very responsive. Always responded right away and was able to answer all of the questions I had. Definitely recommend.

What is E&O Liability Insurance?

What is E&O Liability Insurance?

Professional liability insurance (PLI), also called professional indemnity insurance (PII) but more commonly known as errors & omissions (E&O) in the US, is a form of liability insurance that helps protect professional advice- and service-providing individuals and companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit. The coverage focuses on alleged failure to perform on the part of, financial loss caused by, and error or omission in the service or product sold by the policyholder.

If your company offers services to regular customers or if you have a unique product or service your business is based on, E & O insurance is vital. Accidents will happen. Mistakes will be made. The last thing you want is to be held liable for costly legal fees when a client or customer is unhappy with your product or service. An Errors & Omissions insurance policy provided to you through Texas General Insurance will keep you financially safe during these unavoidable situations and help you prevent the embarrassment and loss of business due to a costly claim against your Texas company.

E & O coverage is not included in a general commercial liability insurance policy or any other commercial package but is an affordable addition to your commercial policies.

Errors and Omissions Insurance Texas

Which E&O Insurance is best for me?

Many professionals and business across Texas are in need of E&O insurance. Texas General Insurance Agency understands that each industry professional carries a different need for E&O liability coverage, including protection for:

  • Banker’s Professional Liability
  • Financial Advisors
  • Hedge Funds
  • Insurance Agents
  • Investment Bank Liability
  • Mortgage Field Inspectors
  • Premium Finance Company Liability
  • Accountants
  • Advertising Agency
  • Arbitrator / Mediator
  • Architect and Engineer Liability
  • Bookkeeper / Tax Preparer
  • Building Inspectors
  • Claims Adjusters
  • Contractor Professional Liability
  • Franchisors
  • Graphic Designers
  • Real Estate Consultants
  • Environmental Consultants
  • Home Inspectors
  • Law Firms
  • Manufacturing
  • Mortgage Brokers/Bankers
  • Private Investigators
  • Property Appraisers
  • P&C Agents E&O
  • Real Estate Agents
  • Real Estate Appraisers
  • Real Estate Developers
  • Recruiters
  • Title Agents
  • Home Healthcare
  • Adult Daycare
  • Dentists
  • Physicians and Surgeons (Medical Malpractice)
  • Oil & Gas Consultants

Errors and Omissions Insurance Texas

This type of policy is ideal for most businesses that sell or deliver a service, which leaves the door open to damages claims made by clients.

The purpose of an E&O insurance policy is to protect companies from financial loss in the event of a claim for negligent error or omission. The coverage can be complicated and will vary depending on your specific business and location, but there are a few areas that work for most E&O insurance policies:


  • Claims Made – The claims made coverage limits apply only to the policy period during which the claim is made against you.
  • Occurrence – Most E&O policies will have an occurrence form of coverage. This means that the injury or damage would occur during the policy period.
  • General Aggregate – This is a per accident or claim limit of your E&O insurance Texas coverage.
  • Products/Completed Operations – With this type of coverage, the injury or damage has to occur because of something you did while providing a service. For instance, if you were to install a faulty appliance in a home, it caused damage or harm during its lifetime.


  2. The name of the insured (the Settlor)
  3. The name of the policyholder (the Trustee)
  4. The Assured; in this case, the name of your business or company
  5. The type of information to be held on file for inspection during an audit by underwriters
  6. The information you wish to be held confidential in its entirety, in other words, the information that should not be disclosed to other parties, even upon a request by the insured.
  7. The persons to whom the policyholder (the Trustee) may disclose information concerning you or your business as well as those individuals or companies that are expressly excluded from such disclosure
  8. A detailed statement as to whether any restrictions will be placed on the use of information held in confidence
  9. The extent to which your business will disclose the information it considers confidential to its employees, agents, or representatives
  10. Any other additional terms that you may wish to include concerning confidentiality and usage of information by third parties
  11. You also need to specify whether the policyholder (the Trustee) has a right to disclose the information it considers confidential. In other words, can the policyholder (the Trustee) use or release information that is considered confidential to companies to who your business owes money?

Understanding the benefits of this policy will help you decide whether it’s right for your business. Errors and omissions insurance Texas will provide a financial safety net should a claim be made against you by a client. In the event of a claim, this policy can help settle costs associated with damage or injury caused by an error on your part.


Let's chat and get your insurance quote on the spot

Client reviews

Get a quote

Whatever your insurance coverage needs are, we're here to help life go right. Get a quote or talk to an agent.

Get a Business Insurance Quote Today

Scroll to Top