Errors and Emissions (E&O) Insurance

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What is Errors and Omissions (E&O) Insurance?

Errors and Omissions (E&O) Insurance is a type of insurance that protects you and your business from damages arising out of alleged negligence. Everyone makes mistakes, and sometimes, those mistakes can be expensive. Errors and Omissions (E&O) Insurance is there to protect you and your company from the costs arising from those mistakes.

Business Liability Insurance covers you and your business from bodily related injuries, property damages, and/or advertising injuries, however, what happens when a shipment of the wrong product gets sent out to a customer. Issues like these can be resolved with Errors and Omissions (E&O) Insurance.

Who Needs Errors and Omissions (E&O) Insurance?

Errors and Omissions (E&O) Insurance is beneficial for any business that provides a service to clients, assembles, manufactures, or installs customer instructions, provides design work, selects raw materials for others, or perform subcontract work.

Companies that heavily use printers and contractors, such as electricians, sheet metal workers, HVAC installers, and plumbers benefit greatly from having Errors and Omissions (E&O) Insurance.

plumber working on sink in bathroom

What does an Errors and Omissions (E&O) Policy Typically Cover?

Errors and Omissions insurance includes protection against claims caused by wrongful acts by or on behold of the policyholder. This also includes the products your sell, manufacture, distribute, or handle, and it will deliver protection for services beyond the normal scope of business activities.

Depending on your policy, E&O coverage can extend anywhere worldwide.



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Work with an Expert Who Knows Your Industry

O’Kane & Tegay Insurance Brokers takes the guesswork out of choosing the right Errors and Omissions Insurance policy for your business. We connect you to an industry specialist, which means you’ll talk to someone who spends their whole day helping organizations like yours.

Need to update your policy? No problem. Reach out to your agent at any time and enjoy the quick response you need as a 21st-century business owner, paired with service so friendly and helpful it feels like a throwback.

Our team stays up to date on the latest insurance laws and coverage changes, so you can rest easy knowing you’ll get the right coverage for the work you do.

Get Quotes from the Country’s Top-Rated Insurance Companies

As an insurance broker, O’Kane & Tegay’s role is to give you access to policies from the best insurance companies in the country. Whether you need Errors and Omissions Insurance, Business Umbrella Insurance, Builder’s Risk Insurance, Business Owner Insurance, or Contractor’s Insurance to comply with state laws, you can find it here.

We’ve already helped hundreds of organizations protect their community. Discover why they consistently rate us 4.9 out of 5 stars.

Select Your Quote

Have questions about the pros and cons of your quotes, our experts are here through every step of the process. Making sure you get the right coverage for the best price. We help keep your business safe.


Business Umbrella Insurance

Business umbrella liability insurance provides added coverage, above and beyond other forms of business liability coverage. It can help cover the expense of a lawsuit with costly legal fees and settlements—vital in a state that has no cap on lawsuit settlement payouts.

Builder’s Risk Insurance

Whether you’re the contractor, property owner or developer, it’s essential to fully protect your job site materials and property during and after construction or renovation. Threats to your investment can include flood, fire, theft, vandalism and earthquake, among other risks.

Business Owners Insurance

A business owner’s policy works to protect your small business from risks such as accidents, natural disasters, property damage, theft and loss of income.

Contractor’s Insurance

Contractor’s Insurance covers people, such as plumbers, electricians, HVAC contractors, builders, painters, general contractors, construction managers, specialty contractors, subcontractors and remodelers, from losses and lawsuits.


Top 5 companies that should have Errors and Omissions Insurance include those that:

  • Assemble, manufacture, or install customer instructions.
  • Provide design work.
  • Provide services, instruction or advice to third parties for a fee.
  • Select raw materials for others.
  • Subcontract work.

Real Talk About Errors and Omissions Insurance

Visit our blog for the latest news about risk for businesses offering a service.

Sample Certificate

Request a sample Certificate of Liability Insurance, the proof of coverage you need for most contracts.


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Contact Us. Call 415-242-8777 Monday – Friday: 8 AM – 5:30 PM PST