Commercial / Professional Liability

Michigan Professional Liability (E&O) Insurance

If you give advice or deliver a service for a fee, one unhappy client can turn into a lawsuit over work you thought was fine. Professional liability — errors & omissions — defends you against claims of negligence, mistakes, and failure to deliver. We shop it across multiple carriers to fit your profession.

What we do for professional liability clients

• Profession-matched coverage — an IT consultant, a real estate agent, and an engineer face very different claims. We match the E&O form to your actual work.
• Contract compliance — clients increasingly require proof of E&O before they'll sign. We set your limits to meet the contracts you're chasing.
• Retro-date management — most E&O is claims-made, so continuous coverage matters. We help you protect your retroactive date and avoid gaps that wipe out coverage for past work.
• Multi-carrier shopping — we shop your E&O across multiple markets to match the right form and price to your profession, not a single quote.

Professions we write

Consultants and coaches, IT and software firms, marketing and design agencies, accountants and bookkeepers, real estate agents and brokers, financial advisors and insurance agents, architects and engineers, attorneys, staffing firms, and most other Michigan service and advisory businesses.

How E&O fits with your other coverage

• General liability covers physical risks — a client slips in your office or you damage their property.
• Professional liability (E&O) covers financial and performance risks — a client says your advice or service cost them money.
• Cyber liability covers data breaches and ransomware, which E&O usually doesn't.
• Most service firms need general liability and E&O together; many add cyber. We build the combination that fits.

Common questions

What is professional liability (E&O) insurance?

Professional liability — also called errors & omissions (E&O) — covers your business against claims that your professional work, advice, or services caused a client financial harm through negligence, a mistake, or failure to deliver. It pays defense costs and settlements even when the claim is unfounded. General liability covers bodily injury and property damage; E&O covers the financial fallout of your professional work.

Who needs professional liability insurance in Michigan?

Anyone who provides advice, a professional service, or expertise for a fee: consultants, IT and software firms, marketing and design agencies, accountants and bookkeepers, real estate agents, financial advisors, architects and engineers, attorneys, and many contractors. Clients increasingly require proof of E&O before they'll sign a contract.

What's the difference between general liability and professional liability?

General liability covers physical risks — a client slips in your office, or you damage someone's property. Professional liability covers financial and performance risks — a client says your advice, design, or service caused them a financial loss. Most service businesses need both, because one won't respond to the other's claims.

Is professional liability claims-made coverage?

Usually, yes. Most E&O policies are written on a claims-made basis, meaning the policy must be in force both when the work was done and when the claim is filed. That makes your retroactive date and continuous coverage important — letting a policy lapse can wipe out coverage for past work. We help you manage retro dates and avoid gaps.

How much does professional liability insurance cost in Michigan?

Cost depends on your profession, revenue, the limits you need, and your claims history. A solo consultant pays far less than a large engineering firm. Because we're independent, we shop your E&O across multiple carriers to match the right form and price to your profession instead of a single quote.