Errors and Omissions (E&O) Insurance

Protect your business with errors and omissions (E&O) insurance and work worry-free.

  • Protects you from the cost of negligence claims
  • Covers legal expenses and compensation if you are at fault
  • UK-based support

Call us on 01823 625 512 or get a quote online

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Why choose errors and omissions insurance with Towergate


24-hour legal advice

We're here when you need us


Range of cover limits

We can offer insurance terms to suit your needs


Professional claim assistance

Our team will help you throughout the claim process

Direct Debit

Pay your errors and omissions insurance in instalments

You can split your payment by Direct Debit

About errors and omissions insurance


Protection against compensation claims

There is no limit to how much compensation claims cost in the UK. A case against you could run to thousands, or even millions, of pounds. Errors and omissions insurance protects you by covering the legal defence costs of a claim. And if you’re found at fault, it will pay compensation too.


Errors and omissions insurance from £1-10 million

How much cover you need varies from business to business. It depends on the industry you’re in, your profession and your turnover. That’s why we’re flexible on the different aspects of our cover and each limit is set by you.

We offer errors and omissions insurance ranging from £1 million to £10 million. Worldwide cover is also available for many professions. What’s more, some insurers offer interest-free monthly payment plans so you can spread the cost of your insurance.


Errors and omissions insurance available instantly

Need to start trading today? No problem. Call us now. We’ll talk through your requirements and give you a quote over the phone. You’ll receive your policy documents by email today and paper copies within 24 hours.


Combine your liability and business cover into one business insurance package

Errors and omissions insurance is only part of a complete business insurance package. Depending on what you do and who you employ, you may also need public liability and employer’s liability policies. Call us today to find out exactly what combination of cover you need so your business is fully protected.

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the claims team on the number in your policy document and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.
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Errors and omissions insurance FAQs

Errors and omissions (E&O) insurance is professional indemnity insurance by another name. It’s the cover you need if clients pay you for your advice or services. Because clients can sue you if they think you made a mistake and it cost them money.  

Errors and omissions insurance (E&O) protects you from the cost of claims you made a mistake or did something wrong. Even if there are no grounds. for the claim, E&O insurance hires a solicitor to defend you, pays your legal fees and compensation, if it’s due.  

There is no difference. Errors and omissions (E&O) and professional indemnity insurance (PI) do the same thing. If a client sues you for negligence, they pay for your legal defence plus any compensation due too.

While you’ll hear both names, the term errors and omissions is used more in the USA. In the UK, we usually refer to it as a professional indemnity.

Anyone who provides a specialist service for paying clients needs errors and omissions insurance. No matter what service you offer -- words, numbers, photography, design, or coaching -- if clients pay you, you’re a professional in the eyes of the law.  

And that makes you vulnerable. If a client decides your work fell short of their expectations, you could end up with a negligence claim on your hands. It doesn’t matter if you think the claim is justified or not, you’ll still have to do something about it. Legal claims don’t just magically disappear. 

Without the right cover, you’ll have to find a lawyer and pay legal fees plus compensation if the case doesn’t go your way.    

Errors and omissions insurance gives you the financial resources to fight a claim – groundless or not. It’s peace of mind and protection for your pocket in one policy. Simple as that. 

Errors and omissions insurance pays your legal fees plus compensation if a client claims you, or anyone you employ:

  • Made a mistake
  • Gave bad advice
  • Omitted something
  • Missed a deadline
  • Failed to deliver what you promised.

What’s more, your policy can cover:

  • Claims over work you did in the past
  • Your work anywhere in the world, as long as the claim is filed in the UK.

E&O insurance is not required by law. But you may find your clients insist you have a policy in place before they’ll sign a contract with you. It’s as much for their protection as it is for yours. If you don’t deliver what you promised, or you make a mistake and it costs your client money, clients need to know they’ll recoup their losses.

Yes. Even if you work solely from home, your clients are still paying you for your service. Give the wrong advice or make a mistake and they can still hold you liable – especially if it costs them money. Wherever you work from, as a professional you need the financial protection and peace of mind an E&O policy provides. 

We can’t tell you exactly how much cover you need. We can only give you your options. We’ll explain what limits are available and your excess options (how much you’ll contribute towards the cost if there’s a claim).

To work out how much cover you need, it’s best to think worst-case scenario and choose an excess you could afford if there’s a claim. Remember to check your client contracts too. These often specify limits and the number of years they expect you to have cover.

That depends on your business activities. We can provide public, product and employer’s liability plus errors and omissions insurance in one package. We can also offer you cover for loss or damage to commercial property, buildings, office contents, stock and computer equipment (including data loss). If you’d like a policy to protect you from loss of income, we offer business interruption insurance too.  

It’s worth keeping your cover going for a while, even if you retire or cease trading. There’s always the chance claims will arise for work you’ve done in the past. Run-off cover, as it’s called, is required by professional associations for a period of up to 6 years for chartered accountants, surveyors or solicitors.

Many of our customers receive a discount if they’re a member of a professional association or industry body. What’s more, to make sure you meet the standards required by these associations, we can offer dedicated policy wordings tailored to your profession.  

To get cover customised cover and see how much you can save, talk to one of our advisers today.

Yes, of course. Spread the cost of your insurance by setting up a Direct Debit and pay monthly through our provider, Premium Credit Limited (PCL). 

To find out how it works, please visit our Direct Debit page. If you’d like to know more about how PCL and Towergate work together, please read our Regulatory Information

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to your insurance product information document and policy wording, which are available during the quotation process.

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