Right, so here’s the deal—2025’s shaping up to be wild when it comes to business risks. I didn’t even think about Errors and Omissions insurance ’til a client threatened legal action over a missed email. Wasn’t fun. That’s when I dug into this whole insurance world—messy, confusing, and full of fine print.
Not every insurance fits all, though. Depends what u do. If you’re a consultant, coder, designer, broker—heck, even if you just give advice—E&O is your invisible shield. Trust me.
Let me walk you thru some of the biggest names I came across. Might help.
1. Hiscox: Quick, Simple, No Drama
Honestly? Hiscox felt like it was built for me. No agent. No pressure. I just went online, filled some stuff out, and boom—quote in minutes.
They even cover if someone sues you from another country, as long as you handle it in the U.S. Weird, but cool.
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Pays for defense, court stuff, all that jazz
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Monthly payments? Yep, easy
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I used it for freelance design. Fit like a glove
So, yeah. If you’re small biz or just vibin’ solo, Hiscox is solid.
2. Chubb: Big Name, Big Coverage
You ever see those brands and go, “Must be expensive”? That was me with Chubb. But turns out, it’s more about what you need than how much you pay.
They’re super strong for bigger operations. Engineering, law firms, and tech giants probably lean on them already.
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High-dollar policies
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Fancy risk management tools
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A++ financial score (whatever that means, it’s good)
I didn’t use Chubb (wasn’t the right size), but I get why people love it.
3. Travelers: The Old Reliable
Not gonna lie, Travelers has been around forever and kinda feels like your dad’s insurance. But that’s not a bad thing.
They cater to a lot of industries, and the support? Real humans, on phones. Bless.
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Super responsive
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Has tailored coverage for niches
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Smooth claim process (so I’ve heard)
If you’re doing consulting, finance, or IT work—worth checking.
4. The Hartford: Actually Kinda Friendly
So I called Hartford just to ask questions and they didn’t try to sell me anything. Weird, right? Actually helped me understand E&O better than Google.
They’re focused on small- to medium-sized pros who might not know exactly what they need.
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Legal help if you get sued
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Combo coverage options (like cyber stuff)
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Offers bundles with other biz insurance
Honestly, not the cheapest, but great for peace of mind.
5. CNA: Real Estate + Legal Pros, This One’s for You
CNA felt more corporate, but I spoke with a rep who explained they’ve been doing this since before E&O was cool.
They tailor things for real estate, healthcare, even niche legal stuff.
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Offers training (like webinars and such)
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Backed by long-time clients
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Custom policies if you’re in a union or group
I passed because of pricing, but saw good reviews.
6. Progressive Commercial: Surprisingly Easy
I only knew them for car insurance. Turns out, they also do E&O. Wasn’t expecting much but honestly? Fast. Online. Done.
It’s great if you just want a basic policy quick. Nothing too deep.
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Affordable
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Fast online sign-up
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Can bundle with general liability
If you’re just starting out or freelancing—it’s a decent option.
7. AIG: Big League Stuff
I didn’t go with AIG, but boy do they look intense. Global reach. Tons of cash behind them. If your clients are Fortune 500, this might be the way.
Their policies can get complex, though.
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Mega-high limits
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International coverage
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They offer “claims advocacy” which sounds fancy
Use if you need all the bells and then some.
8. Next Insurance: Totally Online (Millennial Vibe)
I think I signed up for Next in under 10 minutes. No phone calls. No paper. All digital. If that matters to you, check them out.
Their app’s solid too. Had my certificate sent right from it.
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Monthly plans
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Easy edits to policies
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Instant proof-of-insurance
Perfect for photographers, designers, online marketers.
9. Liberty Mutual: Big but Helpful
Liberty’s site is clunky, I’ll admit. But the humans behind it? They’re great.
Had a long convo with an agent about E&O vs D&O. They didn’t rush me.
They got coverage for med folks, educators, law peeps—you name it.
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Legal defense included
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Optional add-ons
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Been around forever
For medium-sized businesses, a strong pick.
10. biBERK (Yep, That’s Berkshire)
I only found out about biBERK because someone in a forum mentioned Warren Buffett. Apparently this is his company’s insurance arm.
Pretty slick interface. Transparent quotes.
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No brokers = lower fees
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Fast coverage
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Backed by mega money
I’d say it’s great if you want solid coverage without fluff.
Final Brain Dump
Look—there’s no perfect E&O insurer for everyone. You gotta try a few, ask dumb questions, and figure out what’s gonna save your butt when things go sideways.
Me? I wanted simple, no fluff, and something I could tweak later. Hiscox and Next hit those marks. But your situation? Totally different.
So compare. Get quotes. And get covered before someone blames you for a typo in a contract. Trust me on that.
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