Rule number 1: always be covered
Depending on what they're selling, sales representatives may have extensive education and training in their field. Take pharmaceutical sales reps. They often have degrees in life sciences or, at the very least, a firm grasp on human anatomy and physiology. But even the smartest sales reps are sometimes responsible for errors and omissions that could cost a company thousands — and even millions — of dollars.
Errors and omissions insurance gives you the peace of mind that only comes in knowing that you're protected when unfortunate errors lead to litigation. Whether the responsibility is yours or not is irrelevant. You'll need to defend yourself. A prolonged case will cost you time away from work and more money than you would ever expect to pay in damages and defense.
Before you have another client sign a contract with your company, sign one with ours. And get the protection you need.