Facebook_Pixel Miscellaneous Errors & Omissions

Headers Final EandO

What Is Miscellaneous Errors and Omissions?

Miscellaneous Errors and Omissions (E&O) covers the errors made while providing professional services. These errors can arise from negligence, faulty materials, and simply disagreements over the end result. A Miscellaneous E&O policy is tailored to professionals that have different than normal risks. A typical E&O policy is designed for lawyers, architects, accountants, etc., but a Miscellaneous policy is used to cover professions such as advertising agencies, appraisers, photographers, teachers, and many more. Typical E&O policies can sometimes exclude the types of risks for these other professions, but with a Miscellaneous policy, almost any other line of work can be covered.

Why Have Errors & Omissions?

An E&O policy can pay for damages arising from an error or negligence. These could range from defense costs to punitive awards in court. Some insurers even have lawyers in-house to cover the insured. Where a standard E&O policy usually has a narrow definition of a "negligent act", a Miscellaneous policy broadens this definition to help cover the range of professions in its scope. Many small businesses need this kind of coverage to protect them. Many businesses do not have enough money to pay for a settlement or to pay for a lawyer in the case of a claim. Settlement costs could be anywhere from $10,000 or more. To fight a claim or even prove non-negligence, a lawyer has the potential to cost even more. An E&O policy will be able to take this burden from the insured for a much lower cost.

The Apogee Advantage

Our Errors and Omissions insurance is available through A++ rated, A.M. Best, admitted and non-admitted markets throughout all 50 U.S. states.

Coverage May Include

  • Defense outside the limit on most classes
  • Personal injury coverage
  • $0 deductible for many risks
  • Full prior acts coverage (available for first-time purchasers for select classes)
  • Coverage for bodily injury/property damage arising from professional services for select classes
  • Intellectual property coverage for select classes
  • Sexual abuse or molestation coverage for select classes
  • $25,000 third party discrimination sublimit on most classes
  • Supplemental payments coverage for reasonable expenses while attending arbitration, a trial or a hearing
  • Punitive damages coverage where insurable by law
  • Worldwide coverage for wrongful acts subject to claim made
  • Cyber can be included by endorsement

Apply Now

First time customers, learn about Apogee and fill out our form.

Send submissions to submissions@apogeeinsgroup.com

Submission Requirements:

  • Application
  • Loss runs, if available
  • Resumes of key personnel
  • Sample customer contract
  • Copy of current dec page

Miscellaneous Errors & Omissions Application


Available Markets


See Apogee ProductsWe Place All Types of Professional Liability

Last Updated: June 4, 2020 9:23 AM   HOW APOGEE IS RESPONDING: We know there are many concerns as the COVID-19 (Coronavirus) pandemic continues to unfold. We want to assure you that we are committed to working through these challenges together with you. We recognize that people will be facing a variety of different hardships and we will do everything we can to accommodate. We are all in this together. Our entire team remains dedicated to our customers, working virtually and safely from their homes to meet our customer service promises: Our underwriters are available by telephone and email with full quoting functionality with expertise and speed. Click here for a list of our team's extensions. Our salespeople continue to “meet” with our customers virtually over video conference to assist with policyholder questions surrounding new teleworking exposures, payment concerns, and general pandemic assistance. Our website will remain fully functional, and you can continue to submit new business requests HERE. Our telephone lines and email inboxes are up and running without interruption. We continue to accept all premium payments via check received at our Lockbox. Please ensure that premium payments are sent to:  M&T Bank c/o Apogee Insurance Group Box # 69170 1800 Washington Blvd-8th Floor Baltimore, MD 21230   UPDATES FROM OUR MARKETS: AdmiralArgoAt-BayBeazley BRPCapSpecialtyCFCChubb C.N.A. CorvusELANYGreat American HiscoxHiscox NOW HudsonLloyd's MarkelMedProOneBeaconRSUI Travelers USLIVerus  Victor    CARES ACT RESOURCES: CARES Act: addresses economic impacts of, and otherwise response to, the COVID-19 (coronavirus) outbreak BRC Guide: includes information regarding types of loans available to small businesses, eligibility requirements, how to apply for a loan, and more. COVID-19 Emergency Loans for Small and Mid-Sized Businesses   LEGISLATIVE & STATE UPDATES: if (window.addEventListener){ window.addEventListener("message", function(event) { if(event.data.length >= 22) { if( event.data.substr(0, 22) == "__MM-LOCATION.REDIRECT") location = event.data.substr(22); } }, false); } else if (window.attachEvent){ window.attachEvent("message", function(event) { if( event.data.length >= 22) { if ( event.data.substr(0, 22) == "__MM-LOCATION.REDIRECT") location = event.data.substr(22); } }, false); } ul.map li { float: left; margin: 0 25px 0 0px; width: 120px; border: 0px solid; height: 45px; padding-left: 6px; } ul.map { list-style: square url(https://createaclickablemap.com/li-arrow.png) !important; } ul.map li a{ margin: 0;padding: 0; text-decoration:underline; font-family:Arial, Helvetica, sans-serif; font-size:12px; font-weight:normal; color:#4591b1; } ul.map li a:hover{ text-decoration:none; color:#214b6e;} .linkBack{ display:block; width:130px; position: relative; bottom: 0px; left: 660px; font-family: Arial,Helvetica,sans-serif; font-size: 10px; font-style:italic; color:#666666;} .linkBack a {color:#666666;}.linkBack a:hover{color:#666666;text-decoration: none;} Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming                   ADDITIONAL RESOURCES: Free cyber risk analysis and reports (for hospitals, healthcare entities, or any organization on the frontlines) Reduction in Force Supplement WSIA Wholesale Fees COVID-19 Safety Procedures Supplemental App (home healthcare with CapSpecialty) State COVID-19 Bulletins