Errors and Omissions Insurance That Safeguards Your Business From the Unexpected
At Combs & Company, we understand that in today’s fast-paced world, even the most experienced professionals can make a mistake—or be accused of making one. That’s why Errors and Omissions Insurance is not just a nice-to-have, but a non-negotiable part of your risk strategy. Whether you’re a consultant, creative, broker, or service-based business, this specialized coverage helps protect your business—and your reputation—when allegations of negligence, oversight, or failure to deliver arise.
For over 20 years, Combs & Company has built customized insurance solutions that reflect the unique risk profile of each client. Our Errors and Omissions Insurance is no exception. We pair real industry insight with straightforward explanations, so you’re not just covered—you’re confident.
Your protection starts with a conversation. Our experts are ready to help you find the right coverage that fits your life and goals. Book an Appointment Today!
What Does Errors and Omissions Insurance Cover?
Errors and Omissions Insurance—also known as E&O—covers your business when a client claims you’ve made a professional mistake or failed to perform a service as promised. Even if the claim has no merit, legal costs can skyrocket fast. This coverage helps protect your finances and business continuity.
When you work with Combs & Company, your E&O policy may cover:
- Alleged negligence
- Misrepresentation
- Violation of good faith and fair dealing
- Incorrect advice or failure to provide promised services
- Defense costs—even in baseless lawsuits

Whether you're an accountant, marketer, consultant, tech provider, or other professional service provider, Errors and Omissions Insurance is a vital line of defense.
What Is an Example of Errors and Omissions?
Let’s say a marketing agency forgets to launch a scheduled email campaign for a major product release. As a result, the client loses sales and sues the agency for the revenue they believe was lost. Even if the error was minor or unintentional, the agency can still be held legally responsible.
This is exactly the kind of situation where Errors and Omissions Insurance becomes essential. It can cover the cost of legal defense, settlements, or judgments—helping protect the business from devastating financial losses.
Who Needs Errors and Omissions Insurance?
If you offer services, advice, or expertise to clients for a fee, you need Errors and Omissions Insurance.
That includes—but isn’t limited to:
- Consultants and business coaches
- Marketing and advertising agencies
- Real estate professionals and brokers
- Financial advisors and tax preparers
- IT professionals and software developers
- Event planners and creative professionals

At Combs & Company, we’ve worked with professionals across industries—and we tailor your Errors and Omissions Insurance to your exact needs, so you’re never paying for coverage you don’t use or left exposed by gaps you didn’t know existed.
What Are the Benefits of Having E&O Coverage?
Errors and Omissions Insurance gives you more than financial protection—it gives you peace of mind. Here’s what you gain when you have the right E&O policy in place:
- Legal Cost Protection: Covers attorney fees, court costs, and settlements so your business isn’t derailed by one claim.
- Credibility with Clients: Having Errors and Omissions Insurance shows your clients you take your work—and their protection—seriously.
- Business Continuity: Avoid devastating out-of-pocket expenses that could interrupt your ability to operate or grow.
- Protection Against the Unknown: Even if you’ve done nothing wrong, you could still be sued. This policy helps protect you from both legitimate and frivolous claims.

And when your policy is set up by Combs & Company, you benefit from over two decades of expertise ensuring you're covered exactly where it counts.
How Combs & Company Delivers Smarter E&O Coverage
Choosing Errors and Omissions Insurance through Combs & Company means you're getting more than a policy—you’re gaining a team that helps you understand, manage, and mitigate risk. We make a confusing coverage type crystal clear.
Here's what sets us apart:
- Tailored Coverage, Not Cookie-Cutter Policies: Your business is unique—your coverage should be too.
- Transparent, Educational Approach: We walk you through every detail so you know exactly what you’re getting.
- Deep Industry Knowledge: With clients in industries from food entrepreneurship to tech, we understand niche risks.
- One-on-One Support: You're not dialing into a call center—you’re working with a dedicated team that knows your name and your business.

We’re not here to push policies—we’re here to empower smart business decisions through insurance clarity.
5 FAQs About Errors and Omissions Insurance
1. Is Errors and Omissions Insurance required by law?
No, Errors and Omissions Insurance isn’t legally required in most industries, but certain professions or contracts may mandate it. Even when it's not required, it's often essential. For service providers, a single lawsuit—founded or not—can cause serious financial strain. This insurance is your buffer against that risk.
2. How much Errors and Omissions Insurance coverage do I need?
The right amount of Errors and Omissions Insurance depends on the size of your business, your client contracts, and the financial exposure tied to your services. At Combs & Company, we conduct a risk analysis to determine appropriate limits tailored to your actual exposure—never too much, never too little.
3. Does Errors and Omissions Insurance cover employee mistakes?
Yes, most Errors and Omissions Insurance policies cover the actions of your employees, provided they’re acting within the scope of their duties. This means your entire team can be protected from claims of negligence or service errors—critical in client-facing work.
4. What’s the difference between General Liability and Errors and Omissions Insurance?
General Liability covers bodily injury or property damage. Errors and Omissions Insurance covers financial harm caused by mistakes or omissions in the services you provide. They protect against very different risks—and most businesses need both to be fully protected.
5. Can a past mistake be covered by Errors and Omissions Insurance?
That depends on the policy’s retroactive date. If your policy includes prior acts coverage and the claim is made while your policy is active, you may be protected. Combs & Company helps you understand exactly how this works—and ensures your policy’s timeline protects past, present, and future operations.
Ready to Protect Your Reputation and Bottom Line?
Errors and Omissions Insurance isn’t just about covering your mistakes—it’s about preserving your business when the unexpected strikes. With Combs & Company, you get a strategic partner who helps you understand, secure, and optimize your coverage.

Schedule a free consultation today and let us help you find the smarter way to protect what you’ve built.
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