Professional Liability Insurance (E&O)

Coverage for Mistakes You Didn’t Mean to Make

Even when you do everything right, one small oversight, miscommunication, or missed detail can lead to a serious financial claim. If your client believes your services caused them a loss—even if they’re wrong—they can take legal action. That’s where Professional Liability Insurance, also known as Errors & Omissions (E&O) insurance, comes in.



At Spectrum Insurance, we help service-based businesses across Connecticut protect themselves from lawsuits tied to professional advice, deliverables, or performance. Whether you’re a consultant, creative, real estate agent, or financial advisor, we’ll help you find the right policy to back you up—so one mistake doesn’t cost you everything.

What Does Professional Liability Insurance Cover?

Professional liability helps cover the cost of legal defense and settlements if your client accuses you of:

• Negligence – Failing to deliver services as promised
• Errors or Omissions – Leaving something out or making a mistake in your work
• Missed Deadlines – Causing financial loss due to delays
• Misrepresentation – Accusations that you misled a client or breached professional duty
• Client Dissatisfaction – Even when the claim is groundless, you may still need legal defense

This coverage protects you and your business from potentially devastating financial losses tied to how you perform—not just physical accidents.

Real-World Example: The Missed Permit

Imagine you're an interior designer in Connecticut working on a commercial office renovation. You advise your client that a certain wall can be moved without issue—but you’re later told a permit was needed. The project is delayed, and your client loses a major tenant because of it.

They sue for damages related to the delay. Even though you were acting in good faith, you’re on the hook for legal defense. Fortunately, your professional liability policy covers the legal fees, and the claim is resolved without threatening your business.

Who Needs Professional Liability Insurance?

If your business provides advice, recommendations, or specialized services—you likely need it.

We commonly insure:

• Consultants & business coaches
• Marketing agencies & creatives
• Accountants & tax preparers
• Real estate agents & brokers
• IT professionals
• Health & wellness coaches
• Interior designers & architects
• Financial advisors

In many industries, having this policy is a contractual requirement to work with certain clients or vendors.

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At Spectrum Insurance, we compare quotes from top-rated carriers across Connecticut, tailoring coverage to your specific needs, industry, and budget. You tell us what you do—we’ll find the right fit, explain it clearly, and make sure you’re not overpaying.