Protection you can draw on
A wrongly-placed image or a mismatched color tone is all it takes. If a client claims you made a mistake and it’s cost them, it won’t just damage your bank balance. Your good name is on the line, too.
But if you’ve got errors and omissions insurance, your work, your business and your reputation are protected. That way, if you make a mistake, you won’t have to go back to the drawing board.
Why do designers need errors and omissions insurance?
If you sell your services as a professional, clients may expect you to have a current certificate of insurance.
But errors and omissions insurance (E&O, for short) is for your peace of mind, too. Because you can be sued even if you haven’t made a mistake.
If you have an E&O policy you can relax. Even if the claim is groundless, your coverage can take care of your legal bills and compensation, if you’re liable. Which means you can get back to business.
Because that's the thing. Without insurance, fighting a legal claim doesn't just cost you money, it costs you time. And you’ve got a business to run.
Oh, and just so you know, E&O is sometimes called professional liability insurance. But what’s in a name? All that matters is: they do the same thing.
What sort of designers do you cover?
We can provide cover for:
Solar site assessors and designers
What does E&O for designers cover?
E&O insurance can cover:
- Claims for errors and omissions – whether you made them, or not
- Damages – if you’re found at fault
- Legal defense expenses – including hiring an attorney, if you need one
- Claims made over past work
- Claims made against you worldwide – so long as they’re filed in the United States, a U.S. territory, or Canada.
What other kinds of insurance do consultants need?
General liability – if you visit clients, or they come to you, general liability insurance protects your consultancy business from bodily and personal injury claims by a third party. And damage to their property.
Business personal property – covers your cell and other mobile devices you take with you to client meetings. It also protects all the moveable items in your office. From your servers to your staplers.
Cyber liability – if you’ve been hacked, it takes care of your recovery costs. Including restoring your data and systems, pr to restore your reputation, regulatory fines and legal costs, if clients sue.
Workers’ compensation – required in most states the minute you hire your first employee, it protects your business from the cost of workplace injuries. It can cover medical bills, replace wages and legal fees if you get sued.
Business owners' – if you need several policies, say, general liability, property and cyber, you might want to buy a business owner’s policy (BOP). It’s a bundle of basic insurance policies designed with small business owners in mind. What’s more, it usually works out cheaper than buying the policies separately. And you can tailor it to suit your needs.
Read what our customers say about us
I had many things to do to get inspection insurance. Matt guided me through the process making it easy for me. Friendly and prompt and respectful people and service. Thanks
Mr Welch. 06-14-2018
Quick and easy process. Information is clear and upfront.
Insurance Bee's service is great I told them what I needed and it was done no hassle or complication everything was explained to me in terms that i could understand. I highly recommend
Mrs Garcia. 04-16-2018