Professional Liability (E&O) Insurance in Texas

Mistakes Happen. Don’t Let Them Destroy Your Business.

If your business provides advice, consulting, or professional services, one mistake—or even the perception of one—can lead to a costly lawsuit. Errors & Omissions (E&O) insurance helps protect your finances and reputation.

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What’s Included in E&O Coverage

Our Houston-area clients often choose:

Negligence Claims

Coverage for errors or omissions in your work—even if unintentional.

Legal Defense

Pays attorney fees, court costs, and settlements—whether you’re at fault or not.

Breach of Contract

Protects against allegations that your work didn’t meet expectations or deadlines.

Misrepresentation

Covers claims related to inaccurate advice, data, or documentation.

Professional Misconduct

Protects against claims of ethical breaches, confidentiality lapses, or failure to deliver.

 Prior Acts Coverage

Can include work done before the policy started (with proper retroactive date).

 Professional Liability (E&O) Insurance FAQs

  • What’s the difference between E&O and general liability?

    GL covers physical damage; E&O covers financial losses from professional services.

  • What professions need E&O insurance?

    Consultants, real estate agents, engineers, designers, IT pros, and more.

  • Does this cover employee mistakes?

    Yes—claims can arise from actions by anyone working under your business.

  • Is E&O required for licensing?

    In some industries—like real estate or financial services—it may be.

  • How are premiums determined?

    Based on industry, revenue, services provided, and claims history.

  • Can I bundle E&O with a BOP?

    Sometimes. We’ll walk you through integrated vs standalone options.

Protect Your Reputation

At DeShazo Insurance, we help professionals protect their reputation and finances. Whether you’re in consulting, real estate, or healthcare, we’ll guide you toward E&O coverage that fits your risks.