Business Insurance
Professional Liability and E&O Insurance in Ontario
If your business sells advice, designs, code, plans or any other professional deliverable, errors & omissions coverage responds to claims that your work caused a client a financial loss, even when no bodily injury or property damage occurred (the gap CGL won't fill).
- E&O for professional services
- Claims-made coverage with retro date
- Defence costs in or outside the limit
- Cyber add-on available
Who this is for
- IT consultants and developers
- Designers, architects and engineers
- Accountants, bookkeepers and consultants
- Marketing and creative agencies
How BrokerUnion helps
- Match wording to the services you actually deliver
- Preserve your retroactive date at renewal
- Coordinate with CGL and cyber so coverage doesn't overlap or gap
- Issue certificates for client contracts
FAQ
Common questions
Isn't E&O the same as CGL?
No. CGL responds to bodily injury or property damage. E&O responds to financial loss caused by your professional services, a completely separate trigger.
What is a retroactive date?
It's the date your E&O coverage starts looking back from. Losing it at renewal can drop years of past work out of coverage, we protect it.
Ready to talk professional liability / e&o?
A licensed broker will review your situation and walk you through your options. No pressure, no jargon.
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