So, I bought E&O insurance online last week. Or, well—it kinda bought itself. That’s 2025 for you, everything’s smart now. You just click-click, answer some stuff, and boom—you’re covered. Wild.
Back then (like even just a few years ago?), you’d have to talk to a broker. Paperwork. Emails. Some faxing (ew). Me? I ain’t got time for that. Nobody does anymore. Online’s where it’s at. Took me 8 minutes. Maybe 9. But whatever—it was under 10, that’s the point.
Errors & omissions: huh, what’s that?
Let’s back up. E&O (Errors and Omissions) insurance—it’s for people who do stuff, professionally. Like, you offer a service and if you mess up or someone thinks you did, they can sue. Doesn’t even matter if you were right. If they’re mad, it’s legal. It’s money.
I do freelance design and marketing. Couple months ago, a client blamed me for their sales drop. Not my fault (they had zero SEO, let’s be real), but could’ve been messy. Lawyer messy. That’s why I got E&O.
Also—funny name, right? “Errors and Omissions.” Sounds like something your teacher circled on a paper. But this time, it’s about lawsuits.
Buying it online? yeah, it actually works
When I first looked it up, I was like: “Wait, you can get this stuff online now?” You totally can. The platforms in 2025 are so slick, it’s kinda scary.
I filled out this form (honestly, it was like 6 questions?), they already had some of my info from my LinkedIn (creepy… but convenient), and then—bam—quotes.
Three of them. Side by side. No spam, no weird calls. Just real prices. And details too, like: “Here’s what we’ll cover. Here’s what we won’t. Read it or don’t—but it’s all there.”
I didn’t read every word. But enough. And I saved a PDF. Good enough for me.
What you need 2 watch for
Okay, so not every site’s perfect. There’s junk ones out there—like the sketchy sites that look like they were built in 2009 and have five popups just to get a quote? Run from those.
Pick one that works with “A-rated” carriers. I learned that’s insurance-speak for: “they got money and they pay claims.” Some names I saw? Next, Hiscox, biBERK, Embroker. Sounds like fake brands but they’re real.
Also, double check if you’re getting just E&O or bundled junk you don’t need. One quote tried to sneak in cyber liability and drone coverage. Bro. I don’t even own a drone.
What it cost me? not terrible tbh
Mine was like $42.13/month. Super random number but whatever. That’s around $500/year. I’ve spent more on coffee subscriptions and monthly tools I forgot to cancel.
Some folks I know (developers, consultants) pay more. Depends on your industry, what you earn, if you’ve been sued before. Basically: if you’re boring, your quote’s cheaper. I’m medium-boring, apparently.
Also, there’s deductibles. Mine’s $1,000. That means if I ever have to file a claim, I pay that much before the insurance kicks in. Better than paying $60k though.
Is it even safe?
I get it. It feels weird putting business info online. But most of these sites are mega-secure. HTTPS. Encrypted. Two-step logins. Probably safer than your Amazon account.
That said… always double check the URL. Make sure it ain’t some fake insurance page trying to phish you. Don’t click shady email links. Basic internet survival skills, really.
In conclusion? get it.
If you do any kind of service—consulting, freelance, creative, financial, even coaching? You need E&O. Full stop. One angry client with a grudge and a lawyer can wreck your year.
Buying it online is easy now. Fast, too. Honestly, it felt kinda… empowering? Like, I was adulting at elite levels that morning. Had coffee, got insured, felt unstoppable. Then I went back to designing logos.
Anyway—don’t overthink it. Get a quote, see what it looks like. Worst case? You spend 5 mins and decide “nah.” Best case? You protect your whole business with one click.