Errors & Omissions (E&O) Insurance in Ontario

What is Errors & Omissions (E&O) Insurance?

Professional Liability insurance—also known as Errors & Omissions (E&O) or Professional Indemnity insurance—is designed to protect you if a client sues you for mistakes.

Many professionals think they only need this insurance if a contract requires it. However, if your work involves giving advice or providing professional services, you could be held liable for a client’s financial loss—even if you didn't do anything intentionally wrong. Whether or not it is legally required, having E&O coverage provides essential protection for your business, your reputation, and your finances.

Why do you need it? If a mistake in your work causes a client to lose money, the cost to defend yourself in court can be devastating. Errors & Omissions insurance protects you against claims of negligence or errors, giving you peace of mind to focus on your work.

Professionals We Serve

We provide tailored insurance solutions for a wide range of industries:

• Accounting & Financial: Accountants (CPA, CMA, CGA), Accounting Firms, Auditors, Bookkeepers, Life Insurance Agents.
• Engineering & Construction: Architects, Civil/Structural/Environmental Engineers, Building Designers, Building Envelope Consultants, Quantity Surveyors, Land Surveyors, Home Inspectors.
• IT, Tech & Creative: IT Consultants, Programmers, Web/Multimedia Designers, New Media, Ad Agencies.
• Medical & Health: Medical Professionals & Students (Malpractice), Chiropractors, Podiatrists, Therapists, Occupational Health & Safety.
• Business Consulting: Management, HR, Immigration, Quality Control, Hotel, Event Planners, Project/Property Managers.
• Legal & Specialized: Foreign Legal Consultants, Lawyers (Excess Liability), Private Investigators, Process Servers, Collection/Employment Agencies.
• Media & Contracting: Photographers, Videographers, Broadcasters, Publishers, Printers, Independent Contractors, Subcontractors, Professional Organizers, Trainers.

If your specific profession is not listed, please reach out—we have extensive experience arranging coverage for unique and specialized fields.