Business Insurance

Protection when your advice or service is questioned

If clients pay you for your expertise, they may claim that a mistake, oversight or missed deadline cost them money. Professional liability, also called errors and omissions (E&O), helps pay defense costs and settlements for covered claims.

Get an Instant Business Quote Request a Custom Quote Call (530) 813-9150

Many small-business policies can be quoted online through NEXT Insurance. For larger, specialized or hard-to-place risks, send a request and we will shop it for you. Selecting "Get an Instant Business Quote" takes you to a third-party website that has its own privacy policy and terms. A quote is not a binder or a guarantee of coverage.

Jacob (Jake) Livingood · CA License #4135028

We can quote coverage for consultants, real estate professionals, bookkeepers, IT providers, marketing agencies, personal trainers and many other service businesses.

What professional liability (e&o) can cover

Negligence claims

Allegations that your professional services fell below the expected standard.

Errors & omissions

Mistakes or oversights in the work you delivered.

Defense costs

Legal fees, which can be significant even when a claim is without merit.

Things to consider

Most E&O policies are 'claims-made'. Keep coverage continuous and note your retroactive date.
Some client contracts require specific E&O limits.
E&O does not replace general liability; most service businesses need both.

This is a general description, not a policy. Coverage, limits and exclusions vary by insurer and are governed by the policy actually issued.

Frequently asked questions

What does claims-made mean?

A claims-made policy responds to claims first made while the policy is active, for work performed after the retroactive date. Letting it lapse can leave past work uncovered.

Request a custom business quote

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Submitting this form does not bind or change coverage. Coverage is not in force until confirmed in writing by our agency or the insurer.

Jake Livingood

Licensed Agent · CA License #4135028

Send the form and I'll personally follow up during business hours.

Call (530) 813-9150

Related coverage

General Liability

Business general liability insurance for Yuba-Sutter and Northern California small businesses. Get a quote online or talk to a licensed local agent.

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Workers' Compensation

California workers' comp insurance for employers in Yuba City, Marysville and Northern California. Required for businesses with employees.

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Commercial Property

Commercial property insurance for buildings, equipment, inventory and tenant improvements in Yuba-Sutter and Northern California.

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