E&O / professional liability for AZ professionals.
Protects you when a client claims your professional service or advice caused them financial harm — required by many AZ professional licenses and contracts.
Arizona errors & omissions / professional liability insurance.
Errors & omissions (E&O) — also called professional liability — covers claims that your professional services, advice, or work caused a client financial loss. It's different from general liability, which covers bodily injury and property damage. If you give advice, deliver a service, or design something for a fee, you almost certainly need E&O.
What you get
- Defense costs (often outside the limit)
- Settlements and judgments
- Retroactive coverage with prior-acts date
- Coverage for current and former employees
- Required by many AZ licensing boards and client contracts
- Available for nearly every profession
What's typically covered.
Professional Negligence
Claims that your professional service fell below the expected standard and caused a client financial harm.
Errors, Omissions & Misstatements
Mistakes in your work, things you forgot to do, or incorrect statements that led to a client's loss.
Defense Costs
Attorney fees and court costs — often the largest part of any E&O claim. Confirm whether they're inside or outside the limit.
Prior Acts
Coverage for services performed before the current policy period — critical when switching carriers or buying first-time E&O.
Why local matters.
Arizona professionals — realtors, brokers, insurance agents, consultants, designers, accountants, IT firms, contractors — face increasing E&O exposure as client expectations rise. We match the policy to your profession's actual risk, not a generic template.
Common questions.
Ready for a real quote?
Call us — or send your info and we'll get back to you the same business day.