I was never big on insurance stuff, didn’t see the need—until things got real. One client, one angry email, and boom: legal threat. That’s when I started digging for the best E&O insurance broker near me.
Lemme tell ya, it’s not a straight line. At all.
E&O? What even is that?
Okay so, “Errors & Omissions Insurance” (some folks call it professional liability insurance) – is kinda like a safety net for your career. You make a mistake, or they think you did, and this thing helps cover your back.
Lawsuits ain’t cheap, and people sue for dumb reasons sometimes. Like, I had a friend sued for using the wrong logo color in a campaign. Seriously. 😐
Finding the right broker ain’t just about Google
Sure, Google “E&O broker near me” and you’ll get a list a mile long. But most? Meh. Some didn’t even call back. Others were pushy like used car dudes.
I wanted someone who knew what the heck they were talking about, not just trying to sell a policy. Ya feel me?
Why a broker, and not just buying online?
You can buy online. I nearly did. Seemed easy, fast, cheap. But one policy I looked at? It didn’t even cover half of what I needed.
Brokers break it down. Like, they tell you what’s actually included, what’s not, and why that fine print matters even if you hate reading. Which I do.
Real talk: What I looked for
Not tryna write a checklist here but here’s what helped:
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Industry-specific knowledge (my broker got creatives, bless ’em)
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Worked with multiple carriers (not just pushing one company’s thing)
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Reviews didn’t look fake (you can tell, right?)
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Actually listened when I explained my biz
Some brokers just nod and repeat buzzwords. That’s how you know they ain’t it.
Brokers vs Agents? Yeah, I got confused too
So, tiny note—brokers usually rep you, the buyer. Agents mostly rep insurance companies. Huge diff. Took me a while to figure that out. No shame in Googling mid-call. I did.
Don’t forget licenses and that alphabet soup
Mine was licensed in my state, had some fancy acronyms after their name too—PIA, IIABA or something like that. No clue what they mean still but it felt pro.
Honestly, if they ain’t got a license? 🚩
Where I found mine
Fun fact: wasn’t Google. It was my coworking group’s Slack. Someone dropped a name after I ranted about insurance one day. I hit them up, we vibed, and the rest was paperwork.
You can try your Chamber of Commerce, local biz groups, even LinkedIn (if you can tolerate it).
Ask ‘em stuff. Even the dumb Qs
No such thing as dumb questions when it comes to protecting your livelihood. I asked things like:
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“What does this even cover tho?”
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“What’s the worst thing that’s happened to your client?”
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“How long this paperwork take?”
And honestly? A good broker will answer with patience, not attitude.
Pro-tip: online quotes ≠ real protection
One quote I got online looked ✨perfect✨ until I scrolled 27 pages and saw “does not cover marketing professionals” in size 6 font. Excuse me?
So yeah—start online if you must, but don’t stop there.
Last thing, I swear
E&O insurance might sound boring (it is) but when a client comes at you with lawyers, it becomes the only thing you care about.
Take time. Don’t rush it. Pick someone who doesn’t give you weird vibes. Best E&O broker near me wasn’t the first one I called—but they were the right one.
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