Errors and Omissions (E&O) Insurance in Kentucky
If your business provides professional services, advice, designs, estimates, or project management, E&O insurance helps protect you from claims that your work caused financial loss - even if you didn't intend harm.
A Simple Difference That Matters
General Liability Insurance
Forensics, investigation, and professional support to determine what happened.
Errors & Omissions (Professional Liability)
Attorney guidance, required notifications, and related communication expenses.
Plain-language example:
If a client says an estimate mistake, incorrect plan, or overlooked requirement caused them a financial loss, general liability usually won't cover that type of claim. E&O is designed for those situations.
Common Businesses That Benefit From E&O
E&O coverage is often important for:
Consultants and advisors
Agencies and marketing/service firms
Real estate and property-related professionals
Tech and IT service providers
Bookkeeping and administrative services
Contractors providing designs, estimates, or project management services
In small-town commerce throughout Morehead and Eastern Kentucky, many businesses provide value through expertise - and E&O helps protect that work.
When E&O Is Required to Win Work
Many clients require E&O coverage before signing contracts, especially for professional services or specialized work. We can help you:
Choose appropriate limits
Provide certificates of insurance (COIs)
Meet contract language when possible
Coordinate E&O with your broader insurance plan
Common limits vary by industry and contract requirements. We'll help you find a balance that meets expectations without overspending.
E&O as Part of Complete Business Protection
A strong, simple business insurance stack often looks like:
General Liability or BOP
Commercial Auto (if vehicles are used for work)
E&O (for professional services and financial-harm claims)
More complete coverage for real-world business risks

We'll help you avoid gaps and overlaps so your coverage works together.
Plain-English E&O Guidance
If you suspect a breach or ransomware event, time matters. Most cyber policies expect you to:
Understand Your Services
What you provide, how you contract, and where mistakes could lead to financial losses.
Get E&O Coverage That Matches Your Services
If you provide advice, estimates, designs, or professional services in Kentucky, E&O can be one of your most important protections. Let's find the right fit.
