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Errors and Omissions

What is Errors & Omissions Insurance?

Errors and Omissions Insurance protects your company from claims if your client holds you responsible for errors, or the failure of your work to perform as promised in your contract.

Coverage includes legal defense costs - no matter how baseless the allegations. Errors and Omissions Insurance will pay for any resulting judgments against you, including court costs, up to the coverage limits on your policy.

Errors & Omissions Insurance coverage extends to both W2 employees and 1099 subcontractors, and can be worldwide in scope.

Why do I need Errors and Omissions Insurance?

Don't Be Fooled. Professional Liability - Errors & Omissions Insurance - coverage is not provided by a Commercial General Liability policy. Commercial General Liability does NOT provide coverage for errors, contract performance disputes or any other Professional Liability issues. Companies who have General Liability without Professional Liability - Errors and Omissions Insurance -coverage are taking a serious risk. It's like a doctor practicing medicine without Malpractice Insurance.

Mistakes Happen. Every company messes up at some point. You Can't Be Everywhere. Sometimes you can't personally handle every job. Errors and Omissions coverage insures not only your mistakes, but also the mistakes of the employees and Independent Contractors you hire.

Most Importantly: Errors and Omissions insurance might save you from extreme embarrassment, a lost client, or worst of all, a bad reputation.

Who is Eligible for Errors & Omissions Insurance?

Most businesses and industry groups can be covered under an Errors and Omissions policy. For a full list of

- Individual - Physicians & Surgeons
- Group Physician & Surgeon Practices
- Teleradiology
- Medi-Spas/Anti-Aging Clinics/Vein Treatment
- Hospitalists/Surgicalists
- Emergency Departments
- Medical Staffing Services
- Surgery Centers
- Imaging Centers
- Hospice
- Medical Equipment
- Community Hospitals
- Psychiatric Hospitals
- Long Term Care Facilities
- Assisted Living
- Nursing Home
- Home Health Care
- Skilled Nursing
- Medical Schools / Students
- Ambulance Services
- Mobile Medical Facilities
- Dialysis Centers
- Drug and Rehabilitation Centers
- Sleep Disorder Clinics
- Social Service Agencies
- Mental Health Centers
- Laboratories
- Pharmacies
- Locum Tenens
- Clinical Tria

One aspect of insurance for physicians that is a hot topic is medical malpractice coverage. Although this is not the only insurance you should be concerned about it is a very important one, for all healthcare providers whether you are a surgeon, dentist or other doctor. Insurance coverage to protect against allegations of malpractice is required in most states. If you are a corporation, it is highly recommended that you consider a corporate professional liability policy.

To better understand your insurance needs and obtain the service that is best for you, please contact Utopia Insurance Services right now at (877) 867-1467.
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