Errors & Omissions coverage for Oakland's professional class.
Consultants, agents, tech firms, and licensed professionals across the Bay Area get sued over advice, advice that wasn't given, and advice that was misunderstood. E&O is the policy that pays the lawyer.
E&O policies for consultants, agents, tech, healthcare, and creatives.
General liability covers physical injury and property damage. It does not cover the lawsuit you get from a client who claims your work cost them money. That's professional liability — also called Errors & Omissions or E&O — and most Oakland service firms either don't have it or have the wrong limit.
We write E&O for tech companies, agencies, consultants, real estate professionals, insurance and financial advisors, healthcare providers, and creative firms across the East Bay.
The headaches that bring people in.
Your client contract requires E&O — and you don't have it.
We turn around quotes in 24–48 hours so deals close on schedule.
You inherited a policy with a tiny retro date.
Prior-acts coverage is the difference between paying out of pocket and being protected. We rebuild policies the right way.
You're a solo consultant paying a startup-sized premium.
Solo and small firm E&O has gotten very competitive. We'll re-shop you in a week.
You added new services and didn't update coverage.
Expanding into new offerings without notifying the carrier creates uncovered claims. We catch it before you do.
Talk to an Oakland professional liability broker today.
A licensed advisor will compare carriers and walk you through your options — typically in under 15 minutes by phone.
How we solve it.
We quote E&O across specialty markets — Hiscox, CNA, Hartford, Travelers, Beazley, Chubb, and Lloyd's syndicates — so your industry and revenue land with carriers that price it competitively.
Every policy includes a contract review: we read your client MSAs and make sure the limits, retro dates, and defense provisions match what you've signed up for.
- ✦Tech companies, SaaS firms, and digital agencies
- ✦Management, IT, and HR consultants
- ✦Real estate brokers, mortgage brokers, and financial advisors
- ✦Insurance agents and licensed professionals
- ✦Healthcare providers, allied health, and behavioral health practices
- ✦Architects, engineers, designers, and creative studios
What you actually get.
Defense outside the limit.
We push for policies where defense costs don't erode your liability limit — a critical distinction.
Cyber bundled in.
Most modern E&O policies include first-party cyber and breach response. We make sure yours does.
Worldwide territory.
Bay Area firms with international clients need worldwide coverage. We confirm it.
Hammer clause review.
Settlement consent terms vary widely. We explain yours in plain English before you bind.
From first call to covered.
Walk us through what you actually do for clients — and what you've signed in contracts.
We shop 4–6 specialty E&O markets selected for your industry.
Retro dates, hammer clauses, defense terms — explained before you sign.
Same-day COIs and annual reviews built into the relationship.
We insure Oakland and East Bay professional firms across Fruitvale, San Antonio, Eastlake, Jack London Square, Temescal, Rockridge, Lake Merritt, West Oakland, Dimond District, and the greater Bay Area including Alameda, Berkeley, Emeryville, San Leandro, and Hayward — from solo consultants in Rockridge to tech startups in Jack London Square.
E&O covers claims arising from professional services — alleged errors, omissions, missed deadlines, bad advice, or failure to deliver as promised. It pays defense costs and settlements up to your policy limit.
Often paired with Professional Liability.
Get your professional liability quote today.
A licensed Oakland broker will walk you through every option — by phone, in-office, or over Zoom. Most quotes take under 15 minutes.