Professional Liability (E&O) Insurance for Indiana & Multi-State Services
Coverage for Your Advice and Work
Professional liability insurance helps when a client alleges mistakes, missed deadlines, or negligence caused
financial loss. The Mitchell Agency supports consultants, creatives, real estate pros, architects, engineers, and IT firms across the country.
What E&O Can Cover
Defense costs, settlements, and judgments related to professional services-like design errors, inaccurate advice, or software issues that trigger downtime. Unlike GL, E&O addresses economic loss even without bodily injury or property damage.
Who Should Carry E&O
Anyone offering advice or professional services for a fee—management consultants, accountants, marketing firms, brokers, and specialty trades with design or consulting components—benefits from E&O protection. Many contracts across Indiana and throughout the U.S. specify minimum professional liability limits before work begins.
Meet Contract Terms
Most E&O policies are claims-made, so prior acts and retroactive dates matter when switching carriers or retiring. We'll help preserve continuity and discuss tail coverage if you're closing or selling a practice.
E&O vs. General Liability
General liability focuses on injuries and property damage; E&O covers financial loss from service errors. They complement each other for a
complete risk program.
Answers to Common E&O Questions
Is GL enough if I give advice?
No-GL won't respond to purely financial loss. E&O is built for professional services.
What limits should I choose?
Many start at $1M per claim, but contracts may require more. We'll align limits to your projects.
Does E&O cover fraud?
No. It excludes intentional acts and guarantees of outcomes; it's designed for negligence.
If I switch insurers, are past projects covered?
Maintain prior-acts coverage and the same retro date; we'll coordinate the transition.
