Errors and Omissions (E&O) Insurance

Errors and omissions insurance, also known as professional liability insurance or E&O insurance, helps cover the cost of legal services in the event of a lawsuit claiming that your business was negligent, made a mistake or inadequate work.

E&O insurance is important because lawsuits claiming negligence can be costly for your business. Without professional liability insurance, the costs of legal defense could put you out of business. 

EMC's Linebacker Insurance Policy

Government entities are typically responsible for the decisions and acts of their employees, board members and volunteers when carrying out their duties for the organization. Occasionally, those decisions and acts create difficult situations that may lead to a lawsuit for damages and a costly defense.

EMC’s linebacker policy provides protection for liability and defense costs for the wrongful acts of policyholders that may occur through the process of conducting business: actual or alleged errors, misstatements or misleading statements, acts or omissions, and neglect or breach of duty. 

The policy also provides employment-related practices liability coverage for harassment, discrimination, wrongful termination and more. Linebacker coverage is available for public schools, political subdivisions and related entities such as water, sewage and sanitation districts, fire departments, and parks and recreation boards.