Which line typically provides coverage for professional services?

• A. CGL
• B. Professional Liability (E&O)
• C. Auto Liability
• D. Property

Answer: (B)

Professional liability insurance, also called errors and omissions (E&O), is the line that covers claims arising from professional services. It protects against losses caused by mistakes, negligence, or failure to perform duties in the professional work you provide, along with the defense costs and settlements or judgments that follow. This is the exposure that typically isn’t addressed by general liability, auto liability, or property policies. General liability covers bodily injury, property damage, and related advertising injury from normal operations, but not errors in professional work. Auto liability covers injuries or damage arising from the use of vehicles. Property protects the insured’s buildings and contents. So for coverage tied specifically to professional services, professional liability (E&O) is the appropriate line.