Errors and Omissions Insurance in Massachusetts

When you're looking for Errors and Omissions Insurance in Massachusetts or New Hampshire, it's important to have options so you can ensure you get the right plan to meet your needs at the best possible rate.

Find the coverage you need

Protecting your business from unexpected claims is essential in today’s service-driven world. At Fitts Insurance, we help Massachusetts professionals explore Errors and Omissions Insurance (E&O Insurance) options designed to respond to claims of professional negligence, mistakes, or missed deadlines.

Whether you’re a consultant, real estate agent, or financial planner, the right policy may offer valuable protection. Learn more about how E&O coverage works, who may benefit, and what you might consider when exploring policies in Massachusetts.

Errors and Omissions Insurance Massachusetts

What Is Errors and Omissions Insurance?

Errors and Omissions Insurance, also known as E&O Insurance, is a type of professional liability insurance that may help cover the cost of claims alleging negligence, professional errors, or omissions in the services your business provides.

If a client claims your services caused them financial harm due to a mistake or oversight, E&O Insurance may respond by helping with legal defense costs and potential settlements. This coverage is especially relevant for businesses that provide advice, expertise, or other professional services.

Who Needs E&O Insurance in Massachusetts?

E&O Insurance is often recommended for businesses and professionals across many industries in Massachusetts. This includes, but is not limited to:

  • Real estate agents and brokers
  • Accountants and tax preparers
  • Consultants and business advisors
  • Insurance agents and financial advisors
  • Marketing professionals and designers
  • IT service providers and software developers

If your work involves giving advice or delivering a professional service, clients may expect a level of accountability. E&O coverage may offer some protection if your business is accused of failing to meet those expectations.

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  • How Does E&O Insurance Work in Massachusetts?

    E&O Insurance in Massachusetts typically functions on a claims-made basis. This means the policy must be active both when the incident occurs and when the claim is made. If a client files a lawsuit or makes an allegation during your coverage period, and the incident is related to your professional services, the policy may help with:

    • Legal defense costs
    • Court fees
    • Settlements or judgments (up to policy limits)
    • Investigation expenses

     

    It’s important to understand that E&O Insurance usually excludes coverage for criminal acts, intentional wrongdoing, and some types of bodily injury or property damage. Reviewing a policy carefully with a licensed insurance professional is always a good idea.

  • What Makes Massachusetts Unique for E&O Coverage?

    Massachusetts has a diverse economy with a strong presence in healthcare, education, finance, and tech—all industries where professional liability risks can be high. State laws and regulations can also affect how claims are handled, which may influence your insurance needs.

    Having a local agency like Fitts Insurance can be helpful. Based in Massachusetts, our team understands the specific risks and regulations professionals face here. We aim to guide you through available options and provide insight into how a policy may respond under state law.

  • How Much Does E&O Insurance Cost in Massachusetts?

    The cost of E&O Insurance in Massachusetts varies based on several factors, including:

    • Industry and type of professional services offered
    • Size and revenue of your business
    • Number of employees
    • Claims history
    • Coverage limits and deductibles

     

    A freelance consultant might pay significantly less than a growing agency with a larger client base. At Fitts Insurance, we can help evaluate your specific needs and present quotes from multiple carriers to find competitive options.

  • What Should I Look for in an E&O Policy?

    When reviewing E&O Insurance policies in Massachusetts, here are a few things to keep in mind:

    • Coverage Limits – Consider how much protection you may need based on the size and scope of your services.
    • Retroactive Date – This is the date from which coverage starts. It’s important that the policy includes prior acts if you’ve been in business for a while.
    • Exclusions – Understand what the policy doesn’t cover. Common exclusions might include fraud, employee disputes, or bodily injury.
    • Defense Costs – Some policies include defense costs within the policy limit, while others offer it outside the limit.

     

    Each policy can vary, so working with an experienced agency familiar with Massachusetts businesses can help you make a more informed decision.

  • Why Work With Fitts Insurance for E&O Coverage?

    Fitts Insurance has served Massachusetts clients for decades, helping professionals find insurance solutions that fit their needs and industry. When it comes to E&O Insurance, our team works with multiple insurance carriers to offer a variety of policy options.

    Here’s what you can expect from working with us:

    • Local Expertise – We know the Massachusetts business environment and regulatory landscape.
    • Carrier Access – We represent a range of insurance providers to offer tailored policy options.
    • Personalized Service – We take time to understand your profession, your clients, and your potential exposures.
    • Responsive Support – If you ever face a claim or need guidance, our team is here to help walk you through it.

     

    We’re not just here to sell a policy—we’re here to be your long-term insurance partner.

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How Can I Get a Quote for E&O Insurance in Massachusetts?

Getting started with E&O coverage is easier than you might think. At Fitts Insurance, we offer quick consultations and customized quotes for businesses throughout Massachusetts. Fill out our online form with a few details about your business and schedule a consultation to review options. Let’s find a policy that fits your goals, your budget, and your risk profile.

If you’re a Massachusetts business owner or professional looking for Errors and Omissions Insurance, Fitts Insurance is here to help. We understand the unique challenges professionals face and are ready to help you navigate your coverage options with clarity and confidence.

Reach out today to learn more about how E&O Insurance may protect your business from costly and unexpected claims.

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