Professional liability · New Jersey
When advice or work goes wrong, defense matters.
General liability does not cover mistakes in the services you sell. Professional liability, also called errors and omissions, pays defense and damages when a client says your work or advice caused them a loss.
Professional Liability (E&O)What it covers
What E&O can cover
It is about your work product, not slips and falls.
Negligence claims
A client alleges you made a mistake, missed something or gave poor advice.
Legal defense
Attorney fees even for claims that turn out to be unfounded.
Missed deadlines
Claims tied to delays or failure to deliver services as promised.
Breach of contract
Certain claims tied to the scope of work you agreed to provide.
Misrepresentation
Claims that statements you made were inaccurate or misleading.
Prior acts
Coverage can reach back to earlier work, depending on the policy terms.
Claims
When a claim hits, we move.
One number to call, one team that follows it to the check.
Get my free quote- 01
Tell us what happened
One call or a short note with photos. We log the details and open the claim with your carrier the same day.
- 02
We file it for you
Estimates, forms and documents go through us. You sign, we submit, and we keep copies of everything.
- 03
We follow it to payment
We stay on the adjuster until the check is right. If something looks off, we push back with you.
New Jersey notes
E&O in New Jersey
Why service businesses ask for it.
Clients ask for it in contracts
Many corporate clients and agencies require proof of professional liability before signing.
It is claims-made
E&O usually covers claims reported while the policy is active, so continuous coverage matters when you switch carriers.
Lawsuits are costly even when you win
Defense costs alone can be large. The coverage helps you protect the business while the claim is resolved.
Business lines
Every kind of business, covered properly.
Pick your industry or the risk you want to solve. Each page explains what the policy does and what New Jersey owners should watch for.
Commercial Auto
Vans, trucks and company cars used for work in NJ.
Get a quoteWorkers’ Compensation
Medical costs and lost wages for job-related injuries.
Get a quoteGeneral Liability
Third-party injury and property damage claims.
Get a quoteBusiness Owner’s Policy (BOP)
General liability, property and income protection in one package.
Get a quoteContractors
Liability, tools and coverage for trades and builders.
Get a quoteRestaurants
Kitchen fire, spoilage, liquor liability and staff coverage.
Get a quoteProfessional Liability (E&O)
Errors, omissions and negligence claims for service providers.
Get a quoteCommercial Property
Buildings, contents, equipment and rent for commercial locations.
Get a quoteWho it is for
Who uses professional liability
If you sell advice, design or services, this applies.
Get my free quote- Consultants and advisors
- Insurance and real estate agents
- Designers and creative agencies
- IT and software providers
- Accountants and bookkeepers
- Marketing and staffing firms
Questions
E&O questions we hear every week
Is E&O the same as general liability?
No. GL covers injuries and property damage. E&O covers financial loss from your professional services.
What does claims-made mean?
The policy must be active when the claim is made and reported. We help you keep continuous coverage.
Do I need it if I am a small business?
Yes, often. A single client dispute can be costly, and many contracts require it.