Right, so lemme tell you straight off—getting E&O insurance ain’t one of those optional business extras. It’s more like, if you don’t have it? You’re just waiting for a legal smackdown. I learned that lesson early, and oh boy, not the easy way.
Hiscox – For Small Guys Like Me
So, I started out as a solo web consultant. Hiscox? That name kept poppin’ up. I clicked around, signed up in minutes. Seriously, it was almost too easy. Plans start like 20-something bucks a month and they don’t throw junk coverage in your face.
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Totally online, didn’t speak to a soul
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I picked only what I needed, nothing more
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They didn’t ask 50 nosy questions like others
Look, if you’re solo, freelance, or a small biz? Hiscox is a yes. Just a yes.
Chubb – Fancy Name, Serious Muscle
Now, if you’re running something bigger—or high-stakes stuff like legal or finance—Chubb’s a monster. They offer these massive-limit policies, and they don’t blink if you’re international or need custom stuff. Me? I don’t need that level, but a buddy runs a boutique law firm and swears by ‘em.
What I liked:
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Global coverage (just in case)
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They ain’t cheap, but you feel covered
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Real humans on the phone, if that’s your jam
If your business got layers? Chubb’s one for the folder.
The Hartford – For the Specific Peeps
Ok, so like, The Hartford’s been around forever. Like, older than your great-grandpappy old. What they do best is build insurance based exactly on what job you’re doing. If you’re in something niche—health tech, maybe real estate—they’ve got a plan that kinda fits like a glove. Not latex. Leather.
Things they done well:
• They knew what questions to ask
• Coverage felt oddly… intelligent?
• Prices weren’t bad when bundled
I’d say check ‘em out if you want stuff built just for your gig.
Next Insurance – Fast. Like, Tap-Tap-Done Fast
Listen, I’m a millennial. If I can’t do it online, I probs won’t. Next Insurance is for us tech types, freelancers, creatives. It’s fast. Sleek. Didn’t even have to talk to a rep. Took me less than the time it takes to burn toast.
I liked:
• Instant proof of insurance
• Clean dashboard, no clutter
• Clear pricing—no gotchas
Honestly? If you’re a new startup or solo flyer, they’re just simple and clean.
Travelers – For Money Minds & Legal Folks
If you’re working with numbers or laws, Travelers got your back hard. I don’t use ‘em, but one of my accountant pals was going through regulatory issues and their legal support team practically saved his license.
Main things they offer:
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Risk consulting
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High-end legal backup
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Real deal for finance bros
They ain’t cheap, but worth every dime for the stress reduction.
Liberty Mutual – Mid-Biz Sweet Spot
Let’s say you ain’t tiny anymore, but not massive either. You’ve got a team, maybe a little growth happening. Liberty Mutual feels like the right vibe. Solid coverage, name brand, easy enough to deal with.
Details I noticed:
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You get options. Lots of ‘em.
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Their bundles actually make sense.
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Helped a friend scale without worry
So yeah, if you’re in that awkward stage where growth scares you a bit? Try ‘em.
CNA – Docs, Nurses, and Wellness Peeps, This One’s You
Okay, so I’ve never been a nurse or dentist (obviously), but I’ve worked with a few. CNA is the one for them. They understand patient risk, medical records, HIPAA stuff. I’d barely understand half of it, but they got it down to science.
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Offers CE credits and training
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Protects from patient lawsuits
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Kinda built for the healthcare world
Honestly, healthcare folks shouldn’t even look elsewhere.
AIG – For Big Dogs Only
If you’re global, complicated, or just have that kinda business that stresses normal insurance reps out—AIG. They’re not warm and fuzzy, but man, they cover stuff you didn’t know existed.
They’re known for:
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International reach
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Complex industry coverage
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Big-boy policy limits
Are they overkill for most? Yep. But if you’re not “most,” that’s your provider.
So, Who Should You Pick?
Man, this depends. Like, wildly.
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New solo? Go Hiscox or Next.
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Niche pro? Hartford’s probably your buddy.
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International? AIG or Chubb—if you’ve got the coin.
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Lawyer or CPA? Travelers all the way.
And always compare quotes. I got quoted $65/month from one place and $195 for the same stuff elsewhere. Not even kidding. Some sneak fees in there too, so read slow.
Final Thoughts (No Corporate Talk Here)
E&O insurance ain’t exciting. But lemme tell you—it’s necessary. People mess up. Clients sue. Life happens. If you ain’t covered, that one angry email could snowball into court dates, drained accounts, and that tight knot in your chest every time your phone rings.
I’d rather spend $35/month and sleep.
You’ve worked too hard to risk it all over one little “oops.” So pick the right plan. You don’t gotta marry it. Just protect yourself now, before someone else decides to “teach you a lesson.”