Which of the following is a type of E&O insurance?

Which of the following is a type of E&O insurance?

• A. Lawyers professional liability insurance
• B. Auto liability insurance
• C. Homeowners insurance
• D. General liability insurance

Answer: (A)

Errors and omissions coverage protects professionals when clients sue over mistakes in the services they provide. Lawyers professional liability insurance is the specific form of E&O for attorneys, covering defense costs, settlements, or judgments if a client alleges a legal error, negligence, or omission in the lawyer’s work. This is E&O because it addresses the quality of professional services, not general business risks. The other policies—auto liability, homeowners, and general liability—cover injuries or property damage arising from day-to-day operations and do not insure professional mistakes, so they aren’t E&O.

Errors and omissions coverage protects professionals when clients sue over mistakes in the services they provide. Lawyers professional liability insurance is the specific form of E&O for attorneys, covering defense costs, settlements, or judgments if a client alleges a legal error, negligence, or omission in the lawyer’s work. This is E&O because it addresses the quality of professional services, not general business risks. The other policies—auto liability, homeowners, and general liability—cover injuries or property damage arising from day-to-day operations and do not insure professional mistakes, so they aren’t E&O.