Specialties Errors and Omissions

Errors and Omissions

Errors and Omissions

Expert Solutions for this Complex Space

We provide 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.

Recent Errors and Omissions Wins

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$225,000

insurance agency

$170,000

Real Estate E&O

$110,000

Design of Industrial Heaters

$65,000

Professional Liability for Marketing Company with 2 Class Action Suits

Frequently Asked Questions | Construction E&O

Not typically. CGL Insurance policies usually respond to third-party bodily injury or property damage, but often exclude losses tied to professional services, design errors, and the cost of repairing faulty work.
Architects and engineers typically require dedicated Architects & Engineers Professional Liability Insurance policies. Contractors, construction managers, and other professionals may also need E&O Insurance if they provide design, consulting, or project management services. Coverage for subcontractor-related claims varies by policy.
If Professional Liability coverage has been canceled and no Extended Reporting Period was purchased, the claim may not be covered at all.
No. Rectification coverage must be included in the policy or added by endorsement.
Wrap-Up Insurance policies can centralize certain coverages, but they do not always replace the need for individual policies. Coverage terms and limits vary by project.
Large projects and serious defects can generate losses that exceed primary policy limits, making Excess Liability Insurance coverage an important consideration.

Areas Of Specialty

  • IT consulting / Staffing / configuration
  • Software design
  • Website design / Internet services
  • Software as a service / VOIP / ISP
  • All types of business
  • TV and Video Film Production 
  • Authors 
  • Media Libraries
  • Marketing / Advertising
  • Personal Appearance
  • Insurance Agents 
  • Insurance Carriers 
  • Construction Managers  
  • Design Build Firm 
  • Architectural Firms 
  • Engineering Firms 
  • Land Surveyor 
  • Landscape Architect 
  • Sales Agents 
  • Title Agents 
  • Escrow Agents
  • Property Agents
  • Consultants 
  • Debt Collectors 
  • Franchisors 
  • Freight Management 
  • Third-party Administrator 
  • Business Broker 
  • Employment Agency 
  • Safety Consultants 

Available Products

  • Professional Liability 
  • General Liability 
  • Hired and Non-Owned Auto
  • Sexual Abuse 
  • Cyber Liability
  • Limited Property Coverage
  • Medical Expense
  • Advertising Liability
  • Employee Benefits
  • Defense costs outside the limit
  • Civil fines and penalties
  • Contingent bodily injury and property damage

Notice

Product Documents

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Very professional and personable. When we have an issue, they will do everything in their power to go above and beyond.

-Leslie H., Client, Fresno, California

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As wildfires continue to affect communities throughout Los Angeles County, we want to express our heartfelt support for the residents, first responders, and all those working tirelessly to combat these devastating fires.

We understand the challenges posed by this crisis. If you need assistance or have questions about your client's coverage during this time, the team at Burns & Wilcox is here to help.