Commercial Insurance · Mississippi
Professional Liability Insurance (E&O) in Mississippi
If you give advice, provide a service, or make recommendations as part of your work, professional liability insurance protects you when a client claims your work caused them financial harm.
E&O coverage explained
What professional liability covers
Professional liability insurance — also called errors and omissions (E&O) insurance — covers claims that your professional services were negligent, contained errors, or caused a client financial loss. General liability does not cover these claims.
Who needs professional liability?
- Consultants and management advisors
- Real estate agents and property managers
- Accountants and bookkeepers
- Insurance agents (yes, we carry this too)
- IT professionals and tech service providers
- Marketing and advertising agencies
- Engineers and architects
- Anyone who provides professional advice for a fee
What it covers
Professional liability covers legal defense costs, settlements, and judgments arising from claims of negligence, errors, omissions, or failure to deliver promised services. Coverage applies even if the claim is groundless — because defense costs alone can be significant.
Claims-made vs. occurrence
Professional liability is typically written on a claims-made basis — meaning the policy in force when the claim is filed responds, not necessarily when the work was done. This is important to understand when switching carriers or letting a policy lapse.
Common questions
Protect your professional reputation
One claim can cost more than years of premiums. Let's make sure you're covered.