Coverage intended for office-based professional services and consultants.
Most child care operations consider one or more of these coverage types:
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
General liability is intended to respond to third-party bodily injury and property damage. Professional liability insurance — also called Errors & Omissions (E&O) insurance — is intended to respond to allegations that your professional advice, work product, or failure to act caused a client a financial loss. They cover different risks and most professional services carry both.
For most professional services, the terms are used interchangeably. Notaries, accountants, attorneys, real estate agents, consultants, and similar professionals will typically see the coverage referred to as either professional liability or Errors & Omissions (E&O) — both refer to the same protection against allegations of professional negligence.
If you store client information electronically — even basic intake forms — cyber liability is generally intended to address data breach response, notification, and certain damages. Coverage and limits vary widely by carrier.
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