Even the most experienced professionals can make a mistake — but one error shouldn’t threaten your career or your livelihood.
At Eastman Insurance Solutions (EIS Texas), we help professionals across Texas protect their reputation, assets, and clients through Professional Liability Insurance, also known as Errors & Omissions (E&O) Coverage.
Our consultative approach goes Beyond the Coverage™ — delivering guidance, defense, and protection designed for the real risks professionals face every day.
What Is Professional Liability Insurance?
Professional Liability Insurance protects individuals and firms that provide professional advice, design, or consulting services from financial losses caused by errors, omissions, or negligence in their work.
If a client claims your service caused them financial harm — even unintentionally — your Professional Liability policy helps pay for:
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Legal defense costs (attorneys, court fees, and settlements)
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Client compensation for financial loss due to errors or oversights
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Claims of negligence, misrepresentation, or poor advice
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Undelivered or delayed professional services
In today’s business environment, even an accusation can be costly — which is why having E&O coverage is essential for any professional service provider in Texas.
Who Needs Professional Liability Insurance?
This coverage is vital for any business or individual who earns income based on their professional expertise or advice. Common examples include:
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Architects & Engineers
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Attorneys & Legal Consultants
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Real Estate Agents & Brokers
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Financial Advisors & Accountants
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Doctors, Nurses, and Medical Professionals
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IT & Technology Consultants
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Business Coaches & Management Consultants
If your clients rely on your advice, design, or specialized skill, you face potential liability exposure — even when you’ve done everything right.
How Professional Liability Coverage Works
Professional Liability Insurance typically activates when a client alleges you’ve caused them a financial loss due to one of the following:
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Professional Mistakes or Oversights – Errors in judgment, design, or advice that cost your client money.
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Failure to Deliver Promised Results – Services didn’t meet contractual expectations.
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Negligence or Misrepresentation – A client claims you failed to meet your industry’s standard of care.
Example 1: Work Mistake
A technology consultant configures a client’s system incorrectly, causing data loss and business interruption. The client sues for damages — your policy covers defense and settlement costs.
Example 2: Negligent Services
An architect’s design flaw leads to expensive structural corrections. The building owner sues for negligence — your policy protects your firm and reputation.
Example 3: Undelivered Results
A marketing consultant promises a campaign that boosts sales by 50%, but it underperforms. The client sues for lost revenue — your policy steps in.
Why Texas Professionals Trust EIS
At EIS Texas, we don’t just provide coverage — we provide clarity.
We partner with top-rated carriers like Chubb, The Hartford, Travelers, and Liberty Mutual, offering tailored protection built for your profession and exposure level.
Through our Beyond the Coverage™ Partnership, we deliver:
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Comprehensive coverage reviews to close gaps between policies
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Contract compliance checks to meet client requirements
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Claims advocacy that protects your name and financial stability
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Risk management consultation to prevent claims before they occur
Whether you run a solo practice or a growing firm, we help ensure your coverage grows with your success.
How Professional Liability Differs from General Liability
It’s important to understand the distinction:
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General Liability Insurance covers bodily injury and property damage.
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Professional Liability Insurance covers financial losses due to mistakes, advice, or service errors.
Together, they form the foundation of a complete risk management strategy — and EIS Texas can help you integrate both seamlessly.
The EIS Leadership Advantage
We believe protection is more than paperwork — it’s partnership.
Our leadership-driven service model focuses on integrity, guidance, and long-term trust, ensuring that when a claim happens, you’re not navigating it alone.
At EIS Texas, we protect the people behind the policy.
Get Started – Schedule a Risk Consultation
You’ve built your career on your expertise — now let’s protect it.
Our team will review your current coverage, identify gaps, and design a Professional Liability policy that truly safeguards your future.
Or call our Texas office today for a personalized proposal — simple, fast, and built around your business.
FAQ – Professional Liability Insurance in Texas
Is Professional Liability the same as Errors & Omissions (E&O)?
Yes — the terms are often used interchangeably. Both protect professionals from claims related to errors, omissions, or negligence in their work.
Does Professional Liability cover bodily injury or property damage?
No. Those are typically covered under a General Liability policy. Professional Liability covers financial losses from professional mistakes.
Can my contract require Professional Liability coverage?
Yes. Many clients or government contracts mandate proof of Professional Liability coverage before work begins.
What limits should I carry?
That depends on your industry, client contracts, and exposure. Common limits range from $1M to $5M, but higher coverage may be recommended for complex or high-stakes industries.