Professional Liability insurance, also known as Errors Omissions (E&O) and covers claims related to professional services, advice, or work performed.

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This video explains when professional liability is required, how it differs from general liability, and why many contracts require it for consultants, designers, engineers, and service-based businesses. This coverage frequently appears on certificates of insurance and impacts COI review decisions.

Why this matters: Professional liability covers risks that general liability policies explicitly exclude.

Contracts for professional services often require this coverage, and substituting general liability is a frequent cause of COI review failure. Understanding this policy supports accurate COI tracking and contract compliance validation.