Professional Liability (E&O) Insurance

Coverage for Florida’s Real-World Risks

Mistakes, missed deadlines, or claims of negligence can put your business on the line—especially in Florida’s litigious environment. Professional Liability (Errors & Omissions or E&O) Insurance is designed to protect contractors, consultants, and service businesses from lawsuits over professional services, advice, or recommendations.


LIG Specialty Insurance offers relationship-first, consultative guidance to make sure you’re covered for the risks you face—not just a generic checklist. We review your contracts, your industry exposures, and Florida’s compliance requirements so you can serve clients with confidence.

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What Does Professional Liability (E&O) Cover?

Claims of Negligence or Errors

Protects against lawsuits alleging mistakes, missed deadlines, or failure to deliver services as promised.

Legal Defense Costs

Covers attorney fees, court costs, and settlements—even if the claim is unfounded.

Work Performed by Subcontractors

an include coverage for work you supervise or subcontract, as required by many Florida contracts.

Coverage for Past Work

Options for prior acts coverage, so you’re protected from claims that arise after a project is finished.

Industry-Specific Endorsements

Customizable for trades, consultants, real estate professionals, IT, and more.

We explain the fine print, make sure your coverage matches your contracts, and avoid hidden gaps that can derail a project or reputation.

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Who Needs Professional Liability Insurance?

E&O is essential for:


  • Contractors and design/build firms responsible for advice, plans, or project oversight
  • Consultants, advisors, and licensed professionals offering recommendations or technical expertise
  • Service businesses that put their expertise on the line with every client
  • Any business required by contract or license to carry E&O coverage


Many Florida contracts require proof of E&O to sign jobs, pull permits, or meet state licensing. We help you know what to provide—and issue certificates quickly so you never lose a project to paperwork.

Florida-Specific Considerations

  • High Lawsuit Frequency: Florida’s legal climate makes E&O claims common, even for minor issues or unfounded allegations.
  • Contractual Demands: State, municipal, and private contracts often mandate E&O with specific limits and retroactive dates.
  • License Requirements: Some professions must carry E&O to maintain state or local licenses—LIG keeps you compliant.
  • Subcontractor & Design Exposures: E&O is critical for contractors involved in project management, design, or sub work.


Our team keeps you up to date as rules change, so you’re always ready for the next bid or inspection.

E&O vs. General Liability or Other Insurance

  • Professional Liability (E&O): Covers mistakes, bad advice, and professional negligence—financial losses without physical damage.
  • General Liability: Covers bodily injury or property damage to others—does not protect against professional mistakes.
  • Business Owners Policy (BOP): Bundles property and GL, but E&O is always a separate policy.


If you’re unsure what you need, we’ll walk you through the differences and recommend the right fit.

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Frequently Asked Questions – Professional Liability (E&O) Insurance

  • Is E&O required for my business in Florida?

    Many professions and contracts require E&O. We’ll review your trade, contracts, and licenses to clarify your obligations.

  • Does E&O cover subcontractors or past work?

    Most policies can be endorsed to cover subs or prior acts—just let us know what you need.

  • How are E&O claims handled?

    We guide you from notice through resolution—no call center, just hands-on help from our team.

  • Can LIG Specialty issue certificates or proof of E&O quickly?

    Yes—certificates and proof of coverage are handled in-house for fast turnarounds.

  • Why choose LIG for E&O?

    Relationship-based guidance, industry-specific expertise, and proactive compliance—so you’re always prepared.

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Ready for E&O Coverage You Can Rely On?

Let’s review your contracts, exposures, and compliance needs together. LIG Specialty Insurance keeps you protected and ready to grow.