Errors and Omissions (E&O) Insurance in Santa Maria, CA: Professional Protection You Can Count On
What is Errors and Omissions Insurance?
Errors and Omissions Insurance (also called E&O or Professional Liability Insurance) protects your business from claims that you made a mistake, left something out, or provided inadequate service.
If your work involves giving advice, offering a service, or handling contracts, one small oversight could lead to an expensive lawsuit—even if it’s not your fault.
Who Needs E&O Insurance in California?
You may need E&O insurance if you're a:
- Insurance agent or tax preparer
- Real estate agent or broker
- Contractor or consultant
- IT or software service provider
- Marketing agency or designer
- Notary or legal service provider
Even the most careful professionals can face claims from unhappy clients. This policy covers your legal fees, settlements, and court costs.
What Does E&O Insurance Cover?
- Claims of negligence or errors
- Missed deadlines or undelivered work
- Accusations of misrepresentation or bad advice
- Legal defense, even if you’re not at fault
It does not cover intentional wrongdoing, bodily injury, or property damage (that’s general liability insurance).
Why Santa Maria Businesses Choose NAIS for E&O Coverage
- ✅ We serve professionals across the Central Coast
- ✅ Local agents who understand California laws
- ✅ Multiple carriers to find the right policy at the right price
- ✅ Bilingual service in English and Spanish
- ✅ Fast quotes and friendly support
Frequently Asked Questions
Is E&O Insurance required in California?
It depends on your industry. While not legally required for all, it’s often contractually required to work with clients or vendors.
How much does E&O Insurance cost?
Costs vary depending on your profession, coverage limits, and claims history. We offer affordable options tailored to Santa Maria businesses.
Can I bundle E&O with other policies?
Yes. We can bundle it with general liability, workers’ comp, or a business owner policy (BOP) to save money and simplify your coverage.
Get Protected from Costly Mistakes
One client dispute can cost thousands. E&O insurance protects your reputation and your business.
📞 Call now: 1-800-791-1030 📍 Visit us: 408 N McClelland St or 1767 S Broadway, Santa Maria, CA 💬 We speak English & Spanish
NAIS Insurance – Trusted by professionals and small businesses on California’s Central Coast since 2016.
Why Choose Us?
We help local professionals protect their businesses from unexpected claims. Our E&O policies offer peace of mind with clear coverage and personalized support.
Frequently Asked Questions
- Who needs Errors and Omissions Insurance?Professionals who give advice, manage contracts, or provide services—like realtors, consultants, and agents—should consider E&O to protect against legal claims of negligence or mistakes.
- What’s the difference between E&O and General Liability Insurance?E&O covers service-based mistakes and professional errors. General Liability covers physical injuries and property damage. Most businesses need both.
- Does E&O cover employee mistakes?Yes, if the mistake happened in the normal course of their work. Your E&O policy can help cover legal costs related to their actions.
- Can I get coverage if I’ve had past claims?Yes. We work with multiple carriers who consider your full history and offer fair rates—even if you’ve had prior claims.