Miscellaneous Errors & Omissions

Headers Final EandO


What Is Miscellaneous Errors and Omissions?

Miscellaneous Errors and Omissions (E&O) covers the errors made while providing professional services. These errors can arise from negligence, faulty materials, and simply disagreements over the end result. A Miscellaneous E&O policy is tailored to professionals that have different than normal risks. A typical E&O policy is designed for lawyers, architects, accountants, etc. But a Miscellaneous policy is used to cover professions such as advertising agencies, appraisers, photographers, teachers, and many more. Typical E&O policies can sometimes exclude the types of risks for these other professions, but with a Miscellaneous policy, almost any other line of work can be covered.

Why Have Errors & Omissions?

An E&O policy can pay for damages arising from an error or negligence. These could range from defense costs to punitive awards in court. Some insurers even have lawyers in-house to cover the insured. Where a standard E&O policy usually has a narrow definition of a "negligent act", a Miscellaneous policy broadens this definition to help cover the range of professions in its scope. Many small businesses need this kind of coverage to protect them. Many businesses do not have enough money to pay for a settlement or to pay for a lawyer in the case of a claim. Settlement costs could be anywhere from $10,000 or more. To fight a claim or even prove non-negligence, a lawyer has the potential to cost even more. An E&O policy will be able to take this burden from the insured for a much lower cost.


The Apogee Advantage

Our Errors and Omissions insurance is available through A++ rated, A.M. Best, admitted and non-admitted markets throughout all 50 U.S. states.

Coverage May Include

  • Defense outside the limit on most classes
  • Personal injury coverage
  • $0 deductible for many risks
  • Full prior acts coverage (available for first-time purchasers for select classes)
  • Coverage for bodily injury/property damage arising from professional services for select classes
  • Intellectual property coverage for select classes
  • Sexual abuse or molestation coverage for select classes
  • $25,000 third party discrimination sublimit on most classes
  • Supplemental payments coverage for reasonable expenses while attending arbitration, a trial or a hearing
  • Punitive damages coverage where insurable by law
  • Worldwide coverage for wrongful acts subject to claim made
  • Cyber can be included by endorsement

Apply Now

First time customers, learn about Apogee and fill out our form.

Send submissions to submissions@apogeeinsgroup.com

Submission Requirements:

  • Application
  • Loss runs, if available
  • Resumes of key personnel
  • Sample customer contract
  • Copy of current dec page

Miscellaneous Errors & Omissions Application

 

Available Markets

USLI
Chubb
Navigators
Axis
Admiral
IronShore
Allied-World
Argo
Beazley
HCC
CNA
Liberty
BRP
Markel
Lloyds
One-Beacon
AIG
Arch
Hiscox
Euclid
SafeOnline
Monitor
Schinnerer
Catlin
Ace
Stateside

See Apogee ProductsThere is virtually no professional liability risk that we cannot place.