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Compare Texas Professional Liability (Errors & Omissions / E&O) Quotes

General Liability only covers physical bodily injury and tangible property damage—it pays $0 if a client sues your firm for financial loss over alleged bad advice, missed deadlines, software bugs, or negligent services.

✓ $1M to $5M E&O Limits ✓ Prior-Acts / Retroactive Date ✓ MSA Contract Compliant
30+ Texas Carriers Compared

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500+ Advisory & Tech Classes

Management consultants, IT MSPs, SaaS/AI developers, architects/engineers, real-estate/property managers, CPAs/tax preparers & allied health.

Defense Costs Coverage

Covers specialized Texas civil defense attorneys even when a frustrated client's lawsuit is completely groundless.

Fast Enterprise MSA COIs

Meet Fortune 500, healthcare, energy, and municipal vendor onboarding requirements ($1M–$5M E&O + Tech E&O/Cyber).

What Texas Professional Liability (E&O) covers — and Texas rules to watch

Plain-English underwriting guidance from licensed Texas producers so you never buy blind or miss a critical endorsement.

Core Protections

What’s Covered

  • Negligent Acts, Errors & Omissions: Covers client financial-loss claims alleging professional mistakes, inaccurate deliverables, missed statutory filing deadlines, or oversight.
  • Breach of Professional Duty / Failure to Deliver: Responds when a client alleges your consulting, IT implementation, marketing campaign, or engineering spec failed professional standards.
  • Technology E&O (IT, MSPs, Software & AI): Tailored Tech E&O blends software failure, system outage financial claims, intellectual property/media liability, and third-party cyber liability.
  • Independent Contractors / 1099 Sub-Consultants: Most modern E&O forms extend coverage to work performed on your firm's behalf by 1099 sub-consultants.
  • Disciplinary & Licensing Board Defense: Sub-limits ($25,000–$50,000) to pay legal counsel if a complaint is filed before a Texas state licensing board (TREC, TSBPA, TBPE, TDLR).
  • Subpoena Assistance & Crisis PR: Covers legal help when your firm receives a third-party litigation subpoena involving a client engagement.
Texas Underwriting Watch-Outs

Exclusions, Deductibles & Endorsements

  • 'Claims-Made' Form & Your Retroactive Date: Almost all E&O policies are Claims-Made: both the alleged mistake (on or after your Retroactive Date) AND the claim filing must occur while coverage is active. Never let an E&O policy lapse—always carry your prior Retroactive Date forward when switching carriers!
  • Defense Inside vs. Defense Outside the Limit: 'Defense Outside the Limits' (CEOL) preserves your full $1M limit for settlements rather than letting attorney bills eat away your limit.
  • Hammer Clause (Consent to Settle): Look for favorable 80/20 or 70/30 soft hammer clauses if you decline a settlement recommended by the carrier.
  • Tech Firms Need Combined Tech E&O + Cyber: Standalone traditional E&O often excludes ransomware/data breaches, while standalone Cyber excludes software performance lawsuits—Tech E&O combines both cleanly.
Texas Statutory, Lender & Contract Alignment

Enterprise Master Service Agreements (MSAs) & Texas Regulatory Licensing Boards

From TREC property managers/inspectors and Texas Board of Professional Engineers (TBPE) firms to Austin/DFW/Houston SaaS and oilfield consulting contractors, we match exact MSA retroactive, deductible, and limit specifications across Hiscox, Travelers, Chubb, Coalition, CFC, and Beazley.

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How We Shop Your Rate

One 3-minute intake. 30+ Texas carriers competing.

Skip repeating your details to five captive websites. Complete one structured Texas underwriting file and compare real bindable options.

01 ~3 Mins Online

Complete your Texas Professional Liability (E&O) file

Answer only the exact underwriting questions Texas carriers need to generate a real, bindable rate—plus upload your current dec page if handy.

Zero duplicate typing
02 30+ TX Carriers

Licensed Texas agent shops the panel

A licensed producer compares admitted and specialty underwriters for your exact Texas county, deductible preferences, and multi-policy discounts.

Soft inquiry • Never hurts credit
03 Same-Day Proof

Bind & receive official proof

Review side-by-side options by email, text, or phone—with same-day ID cards, lender binders, SR-22s, or commercial COIs once bound.

All 254 Texas counties
Comparing 30+ TDI-admitted Texas carriers across all 254 counties
+ 25 More Markets — Start Quote
Progressive Insurance
Auto • Commercial Truck
Travelers Insurance
Home • Auto • BOP
Safeco Insurance
Homeowners • Umbrella
The Hartford
Business • Fleet • WC
Hiscox Business Insurance
General & Prof. Liability
NEXT Insurance
Contractors • Instant COI
Kemper Insurance
Auto • Same-Day SR-22
Texas Mutual Insurance Company
Texas Workers’ Comp

Bundle & companion Texas coverages

Close dangerous policy exclusions and unlock multi-policy discounts by combining companion coverages in a single intake.

Smart Texas Pairing

E&O + Workers' Compensation

Complete enterprise vendor onboarding checklist (GL + E&O + Cyber + WC) in one place.

Quote Bundle → Coverage Guide →

Texas Professional Liability (E&O) — Frequently asked questions

Answers to the most common Texas statutory, lender, and underwriting questions.

Commercial General Liability strictly requires 'bodily injury' or physical 'property damage.' Purely economic/financial losses from advice, designs, accounting, code, or missed deadlines are excluded on GL and require E&O.
A Claims-Made policy covers claims reported while the policy is active for work done after your Retroactive Date. If you ever retire, sell, or close your Texas LLC, purchasing an Extended Reporting Period ('Tail') keeps you protected for past work.
Yes! Simply provide your current declarations page showing your existing Retroactive Date, and our underwriters honor full prior-acts continuity.
Most Texas B2B Master Service Agreements require $1,000,000 per claim / $1,000,000 or $2,000,000 aggregate ($2M–$5M for enterprise SaaS, healthcare, or engineering contracts).
Yes—solo consultants and fractional executives often bind $1M E&O policies the same day with zero multi-week paper applications.
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