Errors and Omissions Insurance in California

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What can be covered by Errors and Omissions insurance in California?

Professional mistakes

A client claims that an oversight in your work, like a miscalculation, caused them a financial loss.**

Professional negligence

You miss a deadline for a client that results in their financial loss and they accuse you of wrongdoing.

Legal defense costs

You need legal help to defend your business against a covered claim – whether you’re found at fault or not.

Jump ahead to learn:

Is California Errors and Omissions insurance coverage required?
How much does Errors and Omissions insurance cost in California?
What can California E&O insurance cover?
What types of businesses could benefit most from E&O coverage in California?
How ERGO NEXT can help protect CA business owners

Is California Errors and Omissions insurance (CA E&O) coverage required?

Errors and omissions insurance in California, also called E&O insurance or professional liability insurance in some professions, may be a necessity for your business.

California E&O coverage could be required for licensing and contracts in California. Many California-based real estate, insurance and financial services brokerages, agencies and clients may require errors and omissions for you to get your license or work.

Even if an E&O policy is not required for your California business, it can be a wise choice for the financial protection of your business. You could get financial help if you’re accused of a professional mistake, oversight or error that causes a client financial loss, including the cost of legal defense for covered claims.

How much does Errors and Omissions insurance cost in California?

The price you’ll pay for CA E&O insurance can vary based on several factors, including:

The type of professional services you provide (e.g., real estate services, financial planning, etc.)
Your professional experience
Where you operate in California
How many employees you have
Your coverage limits and deductibles
Your business’s claims history

ERGO NEXT makes it fast and affordable to get errors and omissions insurance 100% online. In about 10 minutes, you can get a free online quote tailored to your business’s specific needs.

Learn more about the cost of errors and omissions insurance.

What can California E&O insurance cover?

California errors and omissions insurance could help cover some business costs if:

You or an employee make a professional mistake or omission that causes a client to lose money.
Your business faces a claim alleging negligence or failure to act.
You miss a deadline, filing or another requirement that leads to a client’s financial loss.
A client accuses your business of misrepresentation or providing inaccurate or incomplete information.

Here are some examples of how errors and omissions insurance could help with risk management in California:

A Los Angeles–based tax preparer files a client’s return with incorrect income details. The error leads to penalties and a higher tax bill. An E&O insurance policy could help cover legal defense costs tied to the claim.
A San Jose real estate agent is accused of failing to disclose information to a buyer during a property transaction. The homeowner now claims the omission resulted in unexpected repair costs. An E&O policy could help with attorney fees, legal expenses and court costs related to the allegation.
After an earthquake-related property claim is denied, a client accuses their San Francisco insurance agent of failing to explain policy exclusions. Errors and omissions insurance could help cover the agent’s legal fees and potential settlement costs.

What types of businesses could benefit most from E&O coverage in California?

Many small businesses could benefit from E&O insurance coverage, including:

How ERGO NEXT can help protect CA business owners

ERGO NEXT has errors and omissions insurance and professional liability coverage that’s fast and flexible – and you can buy it 100% online in about 10 minutes.

Share unlimited certificates of insurance (COIs) at no extra cost, and manage your small business insurance 24/7 via web or mobile app.

If you have questions, our licensed, U.S.-based insurance professionals are available to help.

Start a free quote with ERGO NEXT.

Get California E&O coverage in about 10 minutes, 100% online.

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ERGO NEXT Insurance reviews

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