General liability covers injury and property damage. Professional liability — E&O — covers claims that your advice, service, or work caused a client a financial loss. Essential for the Bay Area's consultants, agents, and tech firms. We shop it across carriers.
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Professional liability — also called errors and omissions, or E&O — covers a risk that general liability does not touch. General liability handles physical harm: a client injured at your office, property you damage. Professional liability handles financial harm caused by your professional work: a client who claims your advice, service, or a mistake in your work cost them money. For the Bay Area's enormous professional-services economy — consultants, real estate agents, accountants and bookkeepers, IT and tech firms, designers, and agencies — that is the exposure that actually keeps owners up at night, and it is exactly what E&O is built for. As an independent broker we shop it across carriers that understand each profession.
What triggers an E&O claim is rarely a disaster; it is an ordinary dispute. A client says your recommendation lost them money, that a deadline you missed caused a loss, that a deliverable was wrong, or that you failed to do something you were hired to do. Even a claim with no merit costs real money to defend, and E&O covers that defense as well as a covered settlement. Increasingly, client contracts in San Jose and Silicon Valley require you to carry E&O before they will sign — and we issue the certificate that proves it.
Covers claims that your professional advice or service was negligent and caused a client a financial loss.
Covers errors in your work — and failures to do something you were hired to do.
Pays to defend you even when a claim has no merit — defense costs alone can be significant.
Built for consultants, marketing and creative agencies, and independent professionals.
Coverage for real estate agents, mortgage professionals, accountants, and bookkeepers.
E&O (often with tech/cyber options) for software, IT services, and Silicon Valley firms.
A huge share of the San Jose and Silicon Valley economy is not selling products — it is selling expertise. Consultants, real estate and mortgage professionals, accountants, IT and software firms, designers, and agencies all make their living on advice and deliverables, and every one of them carries professional-liability exposure that a general liability policy will not cover. As the region's professional-services base has grown, so has the expectation: client and vendor contracts now routinely require E&O before work begins.
We help professionals get the right coverage for their specific field, because E&O is not one-size-fits-all — a real estate agent, an IT consultant, and an accountant each face different claims and need different policy language. Because we are independent, we shop across carriers that specialize in each profession rather than forcing you into a generic form, and we issue the certificate your client contract requires. We work in English or Spanish, for the growing number of bilingual professionals and firms across the Bay Area.
Our San Jose office at 25 N. 14th St. on the East Side writes professional liability for consultants, agents, accountants, tech firms, and independent professionals across San Jose, Santa Clara, Sunnyvale, Milpitas, and Campbell, and serves Marin professionals through our San Rafael office. We match the policy to your profession, pair it with general liability where you need both, and issue the certificate your clients require.
We are open Monday through Friday 10am to 6pm and Saturday 10am to 3pm. Walk in, call, or start online. There are no broker fees on standard policies, we accept ITIN numbers, and we do not ask about immigration status. We work bilingually in English and Spanish, so any professional can understand exactly what their E&O covers and how it differs from general liability.
Walk in or call — we'll shop professional liability across carriers for your profession.