Errors and Omissions insurance

Mistakes happen, protect your business from client-related claims and defense costs.

collage of photos depicting service oriented workers such as carpenters, electricians, and an HVAC repairman

Mistakes happen to even the most attentive workers.

Your customers may file a claim if they believe you made a mistake or were negligent in your services. Expenses associated with claims and lawsuits can significantly impact business operations.

Errors and Omissions insurance (E&O) is a form of Professional Liability insurance that protects your business if you or your employees are accused of oversights or faulty workmanship, even if that claim proves to be false.

SECURA offers E&O insurance providing protection if a claim is brought against your business for mistakes, errors, or faulty workmanship. Our coverage provides protection for damage to your product or work caused by mistakes, material defects, or for products manufactured, sold, or installed by you.

Features of E&O insurance

SECURA’s Errors and Omissions coverage help protect you from the expenses incurred from claims while also recouping a portion of lost earnings from missing work.

Defense costs

How your E&O insurance policy defines defense costs can have a significant impact, so it’s important to know whether your policy includes compensation for legal defense outside the bounds or within the limits of liability. SECURA offers E&O insurance with defense costs that are in addition to the limit coverage, or “outside” the limits.

Defense inside the limit simply means that defense costs are deducted from the total policy limit, resulting in less coverage available for any settlement payout.

Defense outside the limit means your defense costs are covered outside the policy limits, leaving your policy limit intact for covering any settlement payout.

Be sure to discuss how defense costs apply for your Errors and Omissions insurance policy with your independent SECURA insurance agent.

Loss of earnings

If you must attend hearings to assist in the defense of a claim, E&O insurance compensates you a portion of your lost earnings for missing work.

SECURA works with many types of industries, providing E&O insurance solutions for businesses of all sizes.

Don’t see your industry listed? Have a conversation with your local agent to learn more about how SECURA Insurance is right for your business.

Policyholder benefits that work

Risk management services

Our policyholders have unlimited access to a wealth of safety talks, safety programs, on-demand videos, and other loss prevention resources. Our risk management team provides on-site consultations to help identify safety improvements and provide customized loss prevention guidance.

Exceptional claims experience

Our dedicated claims team is empathetic and strives to listen and answer any questions to ensure a full understanding of our process. When you notify us of a loss, we’ll call you within eight business hours, follow up regularly, and work with you until your claim is resolved.

Independent local agents

SECURA works with licensed independent agents in your community who help you find the right insurance solutions for your company. As your company grows, our independent agent partners can help you understand how your company’s insurance needs may change.

Common questions about E&O insurance

Who needs Errors and Omissions insurance?

E&O insurance is a specialized liability insurance for businesses providing contractual services or advising clients, such as printers, plumbers, electricians, HVAC installers, and other service-oriented businesses.

What does Errors and Omissions insurance cover?

SECURA’s E&O insurance protects your business from claims resulting from a material defect in your work, or in a product manufactured, sold, or installed by you or your business.

What does Errors and Omissions insurance not cover?

E&O insurance does not cover claims which include, but are not limited to, employment claims, and cases of bodily injury or property damage where other coverage forms take precedence. Additionally, there is no coverage for any type of illegal activity. For a full explanation of E&O protections, speak with your independent insurance agent for details.


Since 1900, we’ve been known for our genuine people and exceptional service. By working with an experienced insurance provider who understands the risks and needs of your businesses, you can ensure you have the right coverage to protect your investment and keep your business running smoothly. In partnership with our independent agents, we can provide a custom insurance policy perfect for your unique needs.

SECURA operates in 13 states with a variety of business insurance solutions, and we are proud to support the communities that have welcomed us for more than a century.

Coverages may not be available in all states. Coverages described are subject to all the terms and conditions of the policy, including deductibles, exclusions, and limits of liability. Not all agents are authorized to write all types of insurance. Policies may be underwritten by SECURA Insurance Company or SECURA Supreme Insurance Company, affiliated companies referred to collectively as SECURA Insurance Companies. Please read the policy carefully. Any claim example is for educational and informational purposes only. The information in this document will not be used to determine the coverage of an actual claim presented. All claims are adjusted based on the relevant facts, conditions and coverages at the time of loss. For specific terms and conditions, please refer to your coverage form. Coverage is also subject to applicable deductibles and limits of coverage.

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