Professional Liability Insurance · California
Professional Liability (E&O) for California Businesses
Professional Liability — also known as Errors & Omissions (E&O) — protects businesses that provide professional advice or services. It covers claims that your work was negligent, contained errors, or failed to deliver the promised result, including legal defense and settlements.
What It Covers
Client claims of negligence or professional errors
Failure to deliver contracted services or results
Missed deadlines causing client financial harm
Advice that results in a third-party financial loss
Regulatory and licensing board actions
Breach of professional duty allegations
Coverage Components
Core Components
Professional Negligence
Covers claims that your services or advice caused a client harm due to negligence.
Errors & Omissions
Covers mistakes, oversights, or failures in the professional services you provide.
Legal Defense Costs
Pays your attorney fees and court costs — even for claims that are groundless.
Settlements & Judgments
Covers settlement payments or court-ordered judgments up to policy limits.
Optional / Add-On Components
Disciplinary Proceedings
Some policies cover legal defense for licensing board actions.
Prior Acts Coverage
Retroactive date coverage for services provided before the current policy period.
Frequently Asked Questions
Why Capital & Co
- Specialist market access for professional liability programs
- California-specific regulatory knowledge and compliance
- Competitive rates across 50+ admitted and non-admitted carriers
- 1-hour quote turnaround for most commercial submissions
- Dedicated claims advocacy and certificate management
