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What to Look for in an E&O Policy

When searching for an E&O policy, consider the following key aspects to ensure comprehensive coverage:

• Policy Limits: Determine the maximum amount the policy will pay for a claim. Higher limits offer greater protection but may come with increased premiums.
• Deductibles: Understand how much you will need to pay out-of-pocket before the insurance kicks in. Balancing deductibles and premiums is crucial to finding an affordable policy.
• Coverage Specifics: Ensure the policy covers all aspects of your professional services. Some policies may exclude certain types of claims or services, so read the fine print carefully.
• Reputation of the Insurer: Choose a reputable insurance provider known for their customer service and claim handling efficiency.