Are You Protected Against Costly Professional Mistakes?
Even the best professionals can face lawsuits if a client believes you made a mistake or failed to deliver. Professional liability (Errors & Omissions/E&O) insurance covers legal defense and settlements when your advice, services, or work result in financial loss for a client. In Texas, it’s not just for doctors or lawyers—consultants, engineers, accountants, real estate agents, IT professionals, and many others all need this protection. Broken Spoke Insurance helps you secure the right E&O coverage, explain contract requirements, and handle insurance headaches so you can stay focused on your expertise.
Problems We Solve Every Day
Professional Advice Gone Wrong
If a client claims your advice or service caused them financial harm, E&O pays for legal costs and settlements.
Missed Deadlines or Mistakes
Covers accidental errors, missed filings, delays, or misrepresentations that trigger a claim—even if unfounded.
Industry-Specific Requirements
From medical malpractice for healthcare, to legal malpractice for attorneys, and tech E&O for IT firms—we match your policy to your profession.
Contract Mandates
Quickly secure proof of coverage for client contracts, so you can win business and meet requirements fast.
Claims-Made Coverage
E&O is typically claims-made, meaning timing matters. We’ll explain tail coverage and how to keep protection in place.
Common Coverage Gaps We Fix
Relying solely on general liability (doesn’t cover professional mistakes)
Not adjusting limits to meet specific client or contract requirements
Missing coverage for subcontractors or employees under your E&O
Failing to secure tail coverage when changing policies or retiring
Overlooking related risks—ask about Directors & Officers (D&O) or EPLI for management protection
If You’re Not Sure Where to Start
New to Professional Liability?
We’ll walk you through what E&O covers and whether it’s required for your industry or contracts.
Need to Meet Contract Terms Fast?
We routinely help consultants, tech firms, and agencies secure coverage within 24–48 hours.
Industry Expertise Across Texas
From oilfield engineers in Midland to accountants in Amarillo and IT consultants in Dallas, we understand what local professionals need.
Bundle for Better Rates
Ask about combining E&O with general liability or other coverages for simplicity and savings.
Bring in Experienced Guidance
The next step is talking with an agent who specializes in professional risks and contract needs. Let Broken Spoke Insurance tailor a policy that covers your “what if”—so you can focus on delivering results, not worrying about lawsuits.
Your Experience, Step by Step
First, we review your profession, contract requirements, and risks to recommend policy types and limits. We shop specialty carriers for competitive quotes and quick proof of coverage. Once your policy is active, we support you with renewals, certificates, and claims help—keeping your business compliant and protected at every stage.
Compare Your Options Clearly
| Scenario/Need | Professional Liability (E&O) | General Liability | Malpractice (Medical/Legal) | D&O/EPLI |
|---|---|---|---|---|
| Covers client financial loss (not injury) | Yes | No | Yes | Sometimes |
| Required by client contracts | Often | Sometimes | Yes (by law/industry) | Sometimes |
| Protects against claims of negligence/errors | Yes | No | Yes | Sometimes |
| Claims-made coverage form | Yes (usually) | No | Yes |
Not sure which fits your business? We’ll walk you through the best option.
Who needs professional liability insurance in Texas?
Who needs professional liability insurance in Texas?
Any professional or business offering advice, design, or services—from consultants and engineers to medical and legal professionals.
What’s the difference between E&O and general liability?
E&O covers financial losses from your professional mistakes; general liability covers physical injuries or property damage.
Does E&O cover negligence?
Yes, most claims involve alleged negligence, errors, or failure to perform as promised.
How much coverage do I need?
Most contracts require at least $1M per claim; we’ll advise based on your industry, client demands, and budget.
How quickly can I get covered?
We can often secure policies and certificates within 24–48 hours.
Work With Confidence—Let Us Worry About the ‘What If’
Your expertise drives your business—don’t let a single mistake, real or claimed, put your livelihood at risk. Broken Spoke Insurance will help you meet contract needs, defend your reputation, and keep working with peace of mind.