Professional negligence claims
Pays for claims that your services, advice, or work product caused a client financial loss — whether or not you were actually at fault.
Specialized coverages — Mississippi
E & O Insurance
Errors & omissions coverage for Mississippi professionals — protection when a client claims your advice, service, or work fell short.
Start my quoteIf you provide advice or professional services for a fee, a client who believes that advice cost them money can sue — even when you did nothing wrong. General liability doesn't respond to those claims; errors & omissions coverage does.
E&O pays legal defense, settlements, and judgments arising from alleged negligence, misrepresentation, or inadequate work. For advisors, consultants, agents, designers, IT professionals, and anyone who sells expertise, it's core coverage.
What E&O coverage includes
The protection, piece by piece.
Defense costs
Covers attorney fees, expert witnesses, and court costs from the first allegation — often exceeding the settlement itself.
Negligent misrepresentation
Protects against claims that advice or statements you gave were inaccurate or misleading, even without bad intent.
Retroactive coverage
With the right prior-acts provisions, the policy responds to work performed before the policy started — critical when switching carriers.
Worth knowing
Details that make the difference.
It's claims-made coverage
E&O responds to claims made and reported while the policy is active. Continuous coverage with the right retroactive date matters more than any single policy term.
Per-claim vs. aggregate limits
Your policy has a per-claim limit and an annual aggregate. Contracts with clients may dictate minimums — we'll check both against your agreements.
Exclusions deserve attention
Dishonest acts, bodily injury, and employment matters are typically excluded. We'll review policy language so there are no surprises at claim time.
Report claims early
Notifying your carrier when you first become aware of a potential claim preserves coverage. Sitting on a complaint can jeopardize protection.
E&O questions
Common questions, answered.
Get your E&O quote.
Tell us about your profession and client base, and a licensed Triad advisor at our Jackson office will come back with coverage options sized to your risk — for professionals across Mississippi.