Errors & Omissions Insurance for Georgia Professionals
When a Client Holds Your Work to a Higher Standard
Professional liability exposure is real for anyone who provides a service, gives advice, or manages work on behalf of a client. If a customer claims your recommendation caused them financial harm, or that a mistake in your work cost them money, a general liability policy won't respond to that claim. Errors and omissions insurance — also called E&O or professional liability insurance — is the coverage designed specifically for that risk.
At Focus Insurance Group, we help professionals across Georgia find E&O coverage that fits the nature of their work. As an independent agency with access to multiple carriers, we can compare options side by side and walk you through the trade-offs between coverage limits, deductibles, and premium so you understand exactly what you're buying.
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40+ years in business
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Family-owned and operated
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On Lawrenceville Highway since 1989
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Multiple carriers compared in one call
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Auto, home, and umbrella under one roof
Who Typically Needs E&O Coverage in Georgia
Errors and omissions insurance applies across a wide range of professions. If your clients rely on your judgment, your recommendations, or the accuracy of your work, you have professional liability exposure worth addressing. Common examples include:
- Consultants and management advisors
- Marketing and advertising professionals
- IT service providers and technology consultants
- Real estate agents and property managers
- Accountants and bookkeepers
- Insurance agents and financial planners
- Staffing agencies and HR professionals
- Graphic designers, copywriters, and creative professionals
- Contractors who provide design-build or specification services
If your work is tied to a client outcome and something goes wrong — even if you did nothing wrong — E&O coverage gives you a defense. Many policies cover legal defense costs even when a claim is ultimately found to be without merit.
What Errors & Omissions Insurance Covers
A standard E&O policy responds to claims that arise from professional services you've already provided. Coverage typically includes:
- Claims alleging negligence, errors, or omissions in your professional work
- Legal defense costs, including attorney fees and court expenses
- Settlements or judgments up to your policy limit
- Claims brought by clients who say your advice caused a financial loss
Most E&O policies are written on a claims-made basis, which means the policy in force when the claim is filed — not when the work was performed — is the one that responds. This is an important distinction when you're comparing policies or switching carriers, and it's one of the things we walk through with clients before they make a decision.
What Our Clients Say About Working With Us
Common Questions About E&O Insurance in Georgia
What's the difference between errors and omissions insurance and general liability insurance?
General liability covers bodily injury and property damage caused by your business operations. E&O covers financial harm a client claims resulted from your professional services, advice, or failure to perform. Most professionals need both — they address different categories of risk.General liability covers bodily injury and property damage caused by your business operations. E&O covers financial harm a client claims resulted from your professional services, advice, or failure to perform. Most professionals need both — they address different categories of risk.How much does errors and omissions insurance cost in Georgia?
Premiums vary based on your profession, annual revenue, coverage limits, and claims history. A solo consultant may pay a few hundred dollars per year, while a larger firm with higher limits will pay more. We compare rates across multiple carriers to find coverage that fits your budget.Premiums vary based on your profession, annual revenue, coverage limits, and claims history. A solo consultant may pay a few hundred dollars per year, while a larger firm with higher limits will pay more. We compare rates across multiple carriers to find coverage that fits your budget.Does E&O insurance cover intentional acts or fraud?
No. E&O policies cover unintentional errors, negligence, and oversights — not deliberate wrongdoing. Intentional misconduct and fraudulent acts are excluded from professional liability coverage.No. E&O policies cover unintentional errors, negligence, and oversights — not deliberate wrongdoing. Intentional misconduct and fraudulent acts are excluded from professional liability coverage.What does claims-made coverage mean, and why does it matter?
A claims-made policy covers claims filed during the active policy period, regardless of when the work was performed. If you cancel the policy, you may lose coverage for past work unless you purchase an extended reporting period, sometimes called tail coverage. This is worth understanding before you let a policy lapse or switch carriers.A claims-made policy covers claims filed during the active policy period, regardless of when the work was performed. If you cancel the policy, you may lose coverage for past work unless you purchase an extended reporting period, sometimes called tail coverage. This is worth understanding before you let a policy lapse or switch carriers.Can I get E&O insurance if I've had a claim before?
Prior claims don't automatically disqualify you, but they do affect your options and pricing. As an independent agency, we work with multiple carriers and can look for markets that are a better fit for your situation. The best step is to call us and have an honest conversation about your history.Prior claims don't automatically disqualify you, but they do affect your options and pricing. As an independent agency, we work with multiple carriers and can look for markets that are a better fit for your situation. The best step is to call us and have an honest conversation about your history.
Talk to a Local Agent About Your Professional Liability Coverage
Focus Insurance Group has been helping Georgia businesses find the right commercial coverage from the same Lawrenceville Highway location since 1989. When you call us, you talk to someone who will ask about your work, explain your options plainly, and help you decide what coverage level makes sense — without pressure. Reach us at (404) 633-3333 or visit our office in Decatur, Monday through Friday from 9:00am to 5:00pm.
