Service-specific protection
Start with a clear description of your professional services, including any new or unusual work.
When a client questions your work
Confidence in your work. Clarity in your coverage.
Errors and omissions insurance helps address covered claims alleging a professional mistake, oversight, or failure to deliver services. Explore E&O coverage with SCIB.
Explore your optionsTHE BIG PICTURE
Coverage starts with
understanding your risk.
A dissatisfied client can allege that advice was incomplete, a deadline was missed, or a promised service was not delivered. E&O coverage helps address specified professional liability claims. The details matter: your covered services, exclusions, reporting duties, and continuity of coverage should all fit your business.
Claims-made mechanics
Review when a claim must be made and reported, plus applicable prior-acts restrictions.
A practical comparison
Compare exclusions, defense arrangements, deductibles, and limits—not just the annual premium.
Renewal planning
Discuss changes in services, revenue, ownership, and claims before renewing or replacing a policy.
These are coverage considerations, not a description of a specific policy. Coverage varies by insurer and is subject to all policy terms, conditions, exclusions, and underwriting.
A MORE USEFUL CONVERSATION
Bring the details.
We’ll bring perspective.
A useful comparison starts with your business—not a generic price.
- 01
Tell us what you do
Your services, clients, and location set the direction. We work with businesses in Texas, Tennessee, and California.
- 02
Share what matters
Current policies, contract requirements, claims history, and business changes help us identify the right questions.
- 03
Review your options
Consider coverage details, conditions, limits, and price together before making a decision.
STRAIGHT ANSWERS
Good questions.
Clearer decisions.
Is E&O required by law?
Requirements depend on your profession, jurisdiction, and circumstances. Client contracts may also require it. SCIB can discuss coverage needs, but a legal adviser should resolve legal requirements for your practice.
What affects an E&O premium?
Factors can include professional services, revenue, location, team size, claims experience, limits, deductible, prior acts, and insurer underwriting. A meaningful quote requires information about your business.
What if I change insurance carriers?
Review the retroactive date, prior acts, pending circumstances, and reporting requirements before switching. Continuity should be considered before an existing policy expires.
THE CONNECTED PICTURE
Consider these, too.
YOUR NEXT CHAPTER, PROTECTED
Let’s find your way forward.
Tell us a little about your business. We’ll help you make sense of your coverage options.