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Errors and Omissions (E&O)

25% of companies spend more than $10M annually on litigation

Even the most talented professionals can make a mistake. A solid Errors and Omissions policy can prevent such mistakes from bankrupting your client’s otherwise healthy organization.

Burns & Wilcox provides access to a variety of Errors and Omissions products, aimed at limiting the exposure of business professionals when their clients claim they haven’t performed to expectations. This coverage begins where General Liability insurance ends and hedges the potential financial loss resulting from claims of negligence, poor performance, errors in judgment and any omissions.

Burns & Wilcox, a leader in excess and surplus insurance, offers this product to a wide array of
professions, including but not limited to accountants, architects, consultants, insurance brokers, real estate brokers and tax preparers.

Accountants Errors and Omissions (E&O)

Everybody makes mistakes. But sometimes those mistakes can end up being costly. When the loss of a client is brought to court and an auditor is partly at fault, they can be on the hook compensating the damage. Even if the auditor is only found to be 5% at fault, and the second party is found to be 95% but is insolvent, the auditor is responsible for paying back the entire loss.

Burns & Wilcox, a leader in excess and surplus insurance, can connect you with Accountants Error and Omission (E&O) coverage. By partnering with top insurers, Burns & Wilcox can provide access to the most comprehensive and relevant coverage for accountants in the event they make a mistake that leads to financial or reputational loss for their clients.

Architects & Engineers Errors and Omissions (E&O)

Design and engineering work can often be a complicated process involving multiple parties with extremely high expectations. In an ever evolving industry with intense scrutiny and rigid demands, design professionals are facing increased risk of litigation.

To ensure the appropriate parties are protected, it is important to tailor coverage to adequately limit your clients exposure to the risks related to their professional services. As a leading wholesale insurance provider, Burns & Wilcox can connect you to Architects and Engineers E&O Coverage, which provides clients with financial restitution when held liable for errors, omissions, professional negligence, remediation or other design related risks.

The quick response team at Burns & Wilcox understands the specific issues your clients face and can provide instantaneous, intelligent solutions.

Financial Services

Financial institutions, including banks and credit unions, are subject to strict regulations and rules governing their behavior and that of their employees. No matter how much employee training is provided, violations may still occur and can result in costly fines or litigation. Financial Services can help mitigate the financial damaged caused by employee negligence or malfeasance.

Financial Services through Burns & Wilcox, can limit your clients exposure to fines and penalties resulting from regulations violations. Coupled with our extremely fast submission response time and low minimum premiums, Burns & Wilcox is one of the leading providers for wholesale insurance.

Insurance Agents Errors and Omissions (E&O)

Despite being in the business of protecting others from financial loss, the insurance industry is not exempt for the risks associated with providing a professional service. When the loss of a client is brought to court over improper evaluations, legal fees can be costly to an organization. It is important to obtain insurance to provide financial restitution when held liable for errors, omissions, professional negligence, or other service related risks.

Burns & Wilcox, a leader in specialty insurance, can provide access to Insurance Agents Errors and Omissions (E&O) coverage for insurance agents from the liabilities involved in writing risks. Agencies of any size are eligible for this program which features low minimum premiums and deductibles.

Lawyers Professional Errors and Omissions (E&O)

While many legal professionals secure their insurance through professional societies and associations,there are specialized circumstances when they are ineligible for coverage. Brokers and agents must work to ensure that their clients who are lawyers or law firms have the coverage that they need.

Lawyers Professional Liability (E&O) Coverage through Burns & Wilcox is tailor-made for legal professionals to mitigate the risks resulting from professional liability claims when clients say they haven’t performed to expectation. The coverage abates the financial damage following claims of negligence, poor performance, errors in judgment and omissions.

Partner with Burns & Wilcox to provide your clients intelligent solutions and protection against the risks associated with providing professional legal services.


Miscellaneous Errors and Omissions (E&O)

In today’s marketplace, there is an increased need for specialized advice and services in a wide range of industries to meet the requirements of clients. With increased scrutiny and client demands, professionals and consultants are at an elevated risk for financial losses resulting from legal actions.

No matter the unique nature of your clients’ professional services, they must defend themselves in the event they incur financial losses associated with professional liability claims. Miscellaneous Errors and Omissions (E&O) Coverage provides peace of mind for consultants, self-employed professionals and others under one broad policy.

Burns & Wilcox has the knowledge and expertise needed to safeguard the reputation and stability of all your professional clients.


Real Estate Errors and Omissions (E&O)

The demanding and fast-paced nature of the real estate industry can give rise to errors, often resulting in costly legal fees and settlements. The typical E&O lawsuit brought against real estate agents amounts to approximately $44,000 in legal costs alone, with settlements averaging much higher.

Thirteen states require agents to purchase individual insurance policies as their firms’ coverage can leave professionals exposed to significant losses due to shared limits. Even agents in states that do not have this mandate should have their own policies to ensure they are properly covered.

Real Estate Errors & Omissions Coverage is designed to protect your clients from unexpected litigation costs stemming from their business activities.


Technology Errors and Omissions (E&O)

Experts predict that by 2020, at least 30 percent of companies globally will use artificial intelligence (AI) in at least one fragment of their sales process. This technology is expected to increase the global GDP by $15.7 trillion by 2030, demonstrating a 14 percent increase, making it the biggest commercial opportunity in today’s economy.

Tech companies utilizing AI to identify patterns and predict outcomes are vulnerable to added liability exposures as responsibility shifts from human to machine and manufacturer. It is crucial that companies are protected from the risks they face in this quickly changing marketplace.

Technology Errors and Omission (E&O) Coverage from Burns & Wilcox can provide your clients with financial protection when held liable for errors, omissions or negligence in relation to their work involving hardware, software, the web and IT services.

Coverage Details and Features

  • Limits up to $5 million per claim and aggregate
  • Include defense costs, civil fines and penalties coverage for billing errors, HIPAA, EMTALA and stark proceedings
  • Full prior acts available for HIPAA
  • Billing errors proceedings include governmental and commercial payer audits and investigations, qui tam plaintiffs or voluntary self-disclosure
  • Legal Expense Coverage available ($100,000 limit)
  • Competitive rates
  • Fast quotes
  • Policies from top-rated carriers
  • Prior Acts coverage
  • Non-franchised car dealers

Target Classes

(including but not limited to)

At Burns & Wilcox our expertise becomes your expertise. Our marketing materials are designed to help you give your clients what they want to hear – yes to almost any hard-to-place-risk.


Independent mortgage broker


Medical Testing Laboratory. $1M/$3M Limits. PL, GL, HNOA


Pilot Car. $1M/$1M PL, $1M/$2M GL, $25K Contingent BI/PD


Home Inspector. $1M/$2M PL/GL, $50K Sublimit Radon/Pest


Property Manager. $1M/$1M


Contractors Design. $2M/$2M Limits


Civil Engineer/Land Surveyor. $2M/$2M Limits


Collision Repair Facilities Franchise


Code Compliance Inspection


Medical Software Developer


Software Development for Testing Research


Real Estate Property Management


Claims Adjuster


Real Estate Agent

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