Errors and Omissions Insurance in Texas

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What can be covered by Texas Errors and Omissions insurance?

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

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

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

According to the Texas Department of Insurance, some licensed industries — such as home daycares, HVAC installers, plumbers and real estate inspectors — are required to carry professional liability insurance as part of licensing or regulatory requirements.

Even if an E&O policy is not required for your Texas business, it can be a wise choice to help protect 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 in Texas cost?

The premium you’ll pay for a Texas E&O insurance policy is based on several factors, including:

The type of professional services or advice your business provides
Your professional experience and background
Your business location
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 Texas E&O insurance cover?

Texas errors and omissions insurance could help cover certain 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 Texas:

A Houston-based insurance agent is accused of failing to explain hurricane exclusions and optional endorsements on a commercial property policy. After the client’s property suffers storm damage and repairs aren’t covered as expected, the client claims a financial loss. E&O insurance could help cover the agent’s legal defense costs.
A home buyer claims their Dallas real estate agent failed to disclose known soil movement issues common in the area. The buyer faces unexpected structural repair costs and alleges the omission caused them a financial loss. An errors and omissions policy could help cover the real estate agent’s attorney fees and settlements related to the claim.
An accountant in San Antonio files a client’s business tax return with a mathematical error, resulting in penalties and interest. An E&O policy could help cover legal fees tied to the allegation.
A Fort Worth notary is accused of improperly notarizing a real estate document, which delays the closing and results in additional costs for the client. Errors and omissions coverage could help cover court costs related to the claim.

What types of businesses could benefit most from E&O insurance in Texas?

Many small businesses could benefit from E&O insurance coverage. Some of these businesses include:

Home daycares
HVAC installers
Plumbers
Real estate inspectors
Real estate agents, brokers and appraisers
Home inspectors
Property managers
Estate liquidators
Mortgage brokers
Real estate investors
Insurance agents
Notaries public
Claims adjusters
Consultants
Travel agents

How ERGO NEXT can help protect Texas 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 Texas E&O coverage in about 10 minutes, 100% online.

Other important business insurance policies in Texas

Errors and omissions insurance is just one type of Texas business insurance that can help protect you, your business and your employees. Other types of policies can offer additional protection from your business risks.

Many TX small businesses also consider:

Texas General Liability insurance

General liability insurance can help protect small businesses from claims involving injuries to non-employees or damage you or your employees cause to other people’s property, such as a client slipping in your office or damage caused during an on-site visit.

Learn more about general liability insurance in Texas.

Workers’ Compensation insurance in Texas

Workers’ comp insurance could help cover medical expenses and lost wages if an employee is injured or becomes ill on the job. While Texas does not require most private employers to carry workers’ comp, many businesses still choose it for its financial protection.

Learn more about workers’ comp insurance in Texas.

Commercial Auto insurance

If you or your employees drive for work, commercial auto insurance could help cover costs related to vehicle damage, repairs or temporary rentals after covered accidents.

Learn more about commercial auto insurance.

Commercial Property insurance

Commercial property insurance may help cover business property like computers, files and office equipment in your office or workspace if they’re damaged by events such as fire, theft or a broken water pipe.

Learn more about commercial property insurance.

BOP insurance (Business Owner’s Policy)

A Business Owner’s Policy (BOP insurance) bundles general liability and commercial property insurance into one policy, which can be a cost-effective option for some Texas professionals.

Learn more about BOP insurance.

More resources for Texas small business owners

ERGO NEXT Insurance reviews

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