Protection for the Advice and Services You Provide
If your business provides advice, designs, or professional services, mistakes or misunderstandings can lead to costly claims. Many consultants, startups, and service providers in Albany, Berkeley, and Oakland are unsure whether general liability coverage is enough. Freeman Insurance Services, Inc. helps you understand where those gaps exist and how professional liability insurance (E&O) fills them. With access to multiple carriers, you can compare options and choose coverage that reflects your work.
Trusted by Professionals Across the East Bay
What Professional Liability Insurance Covers
01
Errors and Omissions (E&O) Claims
If a client claims your work caused financial loss due to an error, omission, or oversight, coverage helps handle legal and settlement costs.
02
Negligence Claims
Even unintentional mistakes can lead to disputes. Coverage helps protect your business if your services are challenged.
03
Missed Deadlines or Deliverables
If project delays or unmet expectations result in financial impact, professional liability coverage may help address those claims.
Expand Protection for Modern Business Risks
Professional liability insurance often works best when combined with other coverage for a more complete protection strategy.
Cyber Liability Insurance
If your business handles sensitive data, cyber coverage helps protect against data breaches and security incidents.
General Liability Insurance
Combining physical and professional coverage helps close gaps across your operations.
Problems We Solve Every Day
When General Liability Doesn’t Cover Service Risks
Understanding the difference between policy types helps prevent unexpected gaps.
When Contracts Require E&O Coverage
Many clients require proof of professional liability before starting work.
When You Want to Protect Your Reputation and Finances
Claims can affect both your business and your credibility. Coverage helps manage those risks.
Common Questions About Professional Liability Insurance
Do I need errors and omissions insurance for consulting?
If your work involves advice or services that impact clients financially, E&O coverage is often recommended.
What does professional liability cover that general liability doesn’t?
It focuses on financial losses tied to your services rather than physical injury or property damage.
Can I get E&O for a small business?
Yes, many small businesses and independent professionals carry this type of coverage.
How quickly can I get coverage?
Policies can often be set up quickly depending on your business details.
Protect Your Work and Your Business Reputation
Professionals across Albany, Berkeley, and Oakland rely on Freeman Insurance Services, Inc. to structure coverage that reflects the risks tied to their work. Whether you’re starting a business or reviewing your current policies, a conversation can help you move forward with clarity.