Errors & Omissions (E&O) Insurance in Texas—Coverage for Professional Services

What Does E&O / Professional Liability Insurance Cover?

E&O insurance protects your business if a client claims you made a professional mistake—like missed deadlines, errors in advice, or service failures. It helps pay for:

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Defense Costs

Legal fees, court costs, and expert witnesses.

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Settlements & Judgments

The money paid if you’re found liable or need to settle a claim.

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Negligence Claims

Allegations you failed to perform your professional duties.

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Client Disputes

Disagreements over work quality, timelines, or project results.

Who Needs E&O Insurance in Texas?

E&O insurance is crucial for:

  • Consultants and business advisors
  • Real estate agents, brokers, appraisers
  • Accountants, bookkeepers, and tax professionals
  • Marketing, IT, and creative agencies
  • Contractors offering professional services
  • Any Texas business providing expert advice or specialized services


Many vendor contracts and client agreements require proof of E&O coverage—Legacy provides fast certificates (COIs) to help you win new work without delays.

General Liability vs Professional Liability—Know the Difference

General Liability

Covers bodily injury and property damage (like slip-and-fall claims).


Professional Liability (E&O):

Covers mistakes, omissions, or negligence in the services or advice you provide.


Both coverages are important for full protection. Our agents help you layer them correctly for your field.

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Why Choose Legacy for E&O?

Expert Advice

Local Texas agents explain coverage in plain English.

Tailored for Your Services

Policies fit your industry and business model.

Fast, Clean COIs

We provide certificates quickly to help you meet vendor and client requirements.

Defense You Can Rely On

Coverage for legal fees, settlements, and professional reputation.

Ready for an E&O Quote or Coverage Review?

Don’t wait for a claim or COI request to get covered. Contact Legacy Insurance Agency for a fast quote, answers to your questions, and real guidance from local professionals.