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Errors and omissions insurance is required to protect your business against professional mistakes.

Errors and Omissions Insurance (E&O)

CANADA

Making a professional mistake can cost your clients money, time, or brand reputation. Errors & omissions (E&O), also called Professional liability insurance (PLI) or professional indemnity insurance (PII), is a form of liability insurance which helps protect professional advice/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. These are causes for legal action that would not be covered by a more general liability insurance policy which addresses more direct forms of harm.

Errors & Omissions (E&O) Insurance may take on different forms and names depending on the profession, especially medical and legal, and is sometimes required under contract by other businesses that are the beneficiaries of the advice or service.
Because this insurance coverage is based on your specific line of work, the protection is different from one industry to the next. For example, a software company would want protection against the software crashing or a security breach, while an accountant would want protection against mistakes in a tax calculation.

What does errors and omissions insurance cover?

Who requires Errors & Omissions (E&O) insurance?

Regardless of the type of business you own, owning commercial insurance is essential. Commercial insurance covers the financial costs associated with an accident or any damages that occur by covering legal fees and payouts.


  • Accountants
  • Accounting Firm
  • Actuaries
  • Advertising
  • Aerial and ground based Photographers / Videographers
  • Alternative Energy
  • Architects & Engineers
  • Architectural/Engineering technicians and technologists
  • Appraisers
  • Bookkeepers
  • Broadcasters
  • Building Designers(Bill 124)
  • Business Consultant
  • Chiropodists
  • Civil engineers
  • Collection Agencies
  • Consultants
  • Chiropractors
  • Design Firms
  • Directors and Officers
  • Employment Agencies/Recruiters
  • Engineers
  • Environmental Engineers
  • Energy Audits & Assessments
  • Financial Advisors
  • Financial Planners
  • Foreign Legal Consultants
  • Holistic Professional
  • Hotel Consultant
  • Home Inspectors
  • Human Resources (HR) Consultant
  • Immigration Consultants
  • Information Technology & Computer Consultants
  • Interior Designers
  • IT Contractor
  • IT Specialist/Technician/Programmer
  • Independent Contractor
  • Product Designers
  • Professionals Liability
  • Professional Organizer
  • Lawyer's Excess Professional Liability
  • Management Consultants
  • Medical Related
  • Medical Professionals (Malpractice Insurance)
  • Medical Students (Malpractice Insurance)
  • Multimedia designers
  • Mortgage Brokers
  • Naturopaths
  • New Media
  • Occupational Health and Safety Consultants
  • Quality Control Consultants
  • Placement Agencies
  • Podiatrists
  • Process Servers
  • Private Investigators
  • Project Managers
  • Property Managers
  • Paralegals
  • Publishers and Printers
  • Recruitment and Employment Agency
  • Recruitment Consultants
  • Safety Engineers
  • Service Organizations
  • Solar & Wind Farm Engineers & Consultants
  • Staffing Agencies
  • Structural Engineers
  • Sub Contractor
  • Surveyors
  • Therapist Professionals
  • Training Providers/Trainers
  • Travel Agencies
  • Travel Agents, Tour operators
  • Excess & Umbrella Liability
  • Web-Site Designers
  • Web Developers
  • Workplace Engineers & Consultants

Some scenarios of where business insurance can protect your business are:

Your professional association requires you to carry Errors & Omissions (E&O) insurance to be licensed (e.g. accountant, insurance broker, health care practitioner etc.)

The risks associated with your business are too high not to purchase business insurance



Your customer requires a certain level of coverage (e.g., $250,000 worth) as part of the contract



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