Best Errors and Omissions Insurance Feb 2026

ERGO NEXT ranks at the top of our E&O list for customer service and comes in second for affordability. It’s a strong option if you prefer handling everything online instead of meeting with agents. The platform lets you move through the process quickly and skip the usual paperwork.

The mobile app gives you full control of your policy. You can generate certificates on the spot when clients ask for proof of coverage, which is helpful if you want straightforward professional liability protection without the structure of traditional insurance.

It places second in affordability among the professional liability providers we evaluated. Its average rate is $72 per month ($867 per year), which is $6 less each month than the $78 industry average for E&O coverage. That’s about $72 per year you can keep in your budget while still maintaining solid professional indemnity protection.

ERGO NEXT leads in digital experience and policy management. You can download certificates immediately when a client needs one, which is useful if you often work on short notice. Claims handling ranks fourth nationwide, so you may see slower turnaround times when filing an E&O claim.

Trustpilot reviews highlight the easy-to-use platform and competitive pricing. Some customers mention slower responses during peak seasons, but overall the online-first setup works well if you prefer managing your E&O coverage without calling an agent.

ERGO NEXT offers E&O coverage for more than 1,300 business types, protecting you when a client claims your advice or services caused financial harm. Policies cover legal defense costs, settlements, judgments, disciplinary proceeding defense, crisis management support and subpoena assistance. 

You can adjust coverage limits to match your needs and add prior acts coverage if you want protection for work completed before your policy started.

The Hartford delivers the most affordable E&O rates without sacrificing service quality. With over 200 years of experience and an A+ AM Best rating, you'll get competitive rates from a financially solid insurer that pays claims promptly.

Business professionals across over 60 industries choose The Hartford for its proven strengths: dedicated specialists, comprehensive coverage options and fast claims processing. However, you'll find other carriers more convenient if you prefer managing your policy through mobile apps instead of phone calls.

The Hartford ranks first for affordability among E&O providers in our study. You'll pay $72 monthly ($858 annually) for professional liability coverage, which saves you $6 per month compared to the $78 industry average. That's $72 saved annually. Whether you need basic professional indemnity protection or comprehensive errors and omissions coverage with higher limits, you get competitive rates without compromising quality.

The Hartford ranks first for claims processing and customer service, meaning you get faster resolutions when filing professional liability claims. You'll speak with actual E&O specialists who understand your situation instead of navigating automated phone systems. The Hartford also leads in overall satisfaction and recommendation scores.

The weak spot is digital experience, ranking 10th among providers. Trustpilot gives The Hartford just 1.2 stars from 308 reviews, with customers complaining about slow online tools. If you prefer calling an agent over using apps to manage your errors and omissions policy, this works in your favor.

The Hartford offers errors and omissions insurance primarily through claims-made policies, the standard structure for professional liability coverage. You can choose coverage ranging from $250,000 to $2 million, with higher amounts available for specialized professional risks.

Your policy includes retroactive dates and extended reporting periods of 30 to 60 days, which you can extend to a year or more for additional cost. You can also add managers as additional insureds, extending financial protection to key personnel who may also file professional liability claims.

Simply Business takes the top spot for E&O coverage options in our study. It's an online broker that connects you with multiple carriers through one platform rather than selling direct policies. Travelers bought the company in 2017, bringing financial strength and digital expertise to your insurance buying experience.

You'll wait longer for claims processing here since it ranks eighth for speed. Phone support can be challenging, too. Simply Business works best if you want broad coverage choices and like handling your insurance online.

Simply Business ranks fifth for affordability among E&O providers in our study, with a monthly rate of $76 ($917 annually). Despite being more expensive than other providers, it still saves you $2 per month compared to the $78 industry average. Simply Business isn't the cheapest choice, but its professional liability rates give you solid value when you want extensive coverage options.

Simply Business ranks third for digital experience, so you can get E&O quotes and manage your policy online around the clock. Claims processing ranks eighth, though, which means longer waits when you file professional liability claims. Phone support struggles, too. Trustpilot reviews from 1,475 customers show complaints about long wait times and trouble canceling policies, despite an overall 4-star rating.

Simply Business is a broker with carriers like Travelers, Hiscox and Markel, so you get multiple E&O coverage options instead of being stuck with one insurer's policy. Your errors and omissions coverage handles legal defense costs, settlements and damages when clients claim negligence. 

You can add Waiver of Subrogation (your insurer won't go after your client for claim costs) and Primary Noncontributory (your coverage pays first before other policies) endorsements if clients demand them for contracts. The coverage also protects you from employee and contractor mistakes.