Professional Liability Insurance That Covers More Than Just Mistakes

Safeguard Your Advice, Services, and Reputation Across Germantown and the DMV

When your business provides advice or professional services, a small oversight can become a big legal issue. CF Alliance offers Professional Liability Insurance — also known as Errors & Omissions (E&O) Insurance — to help protect your company from claims of negligence, misrepresentation, or failure to deliver services as promised. Whether you’re a consultant, advisor, contractor, or service provider, we make sure you have the coverage you need to move forward with confidence.

What Your Policy Should Cover

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Negligence Claims

Covers you if a client alleges your advice or services caused them financial harm — even if you did everything right. Legal defense and settlements are included.

Misrepresentation or Breach of Duty

Protects you if someone claims you misrepresented facts or failed to uphold professional standards. This is key for consultants, accountants, and anyone in advisory roles.

Legal Defense Costs

Pays for attorney fees, court costs, and expert witnesses if you’re sued — regardless of whether you’re found at fault.

Errors or Omissions in Services

Provides protection for honest mistakes, oversights, or incomplete work that leads to client dissatisfaction or losses.

Past Work Coverage

Can be structured to cover previous work, even if a claim arises after your services were delivered — vital for ongoing professional relationships

Add‑Ons That Matter

Disciplinary Proceedings Coverage

Helps cover legal costs if your licensing board or governing body opens an investigation against you.

Cyber Liability Add-On

Recommended if you manage sensitive data or client records — protects against claims involving data breaches or digital negligence.

Worldwide Coverage

Covers services performed outside the U.S. — ideal for consultants and contractors who serve international clients.

Why It Matters

Because Reputations Are Built on Trust — and Protected With the Right Coverage

In today’s service-driven world, even the best professionals face unexpected claims. CF Alliance helps you protect your business and credibility with E&O coverage that’s clear, customizable, and compliant — so one misstep doesn’t derail your entire operation.

What Professionals Need to Know

  • Who needs professional liability insurance?

    Anyone who provides advice, services, or specialized expertise — like consultants, real estate agents, designers, contractors, IT professionals, and more.

  • Does E&O cover physical injury or property damage?

    No — those are covered under general liability insurance. E&O is for claims tied to your professional services or advice.

  • Is this insurance required by law?

    Not always, but it’s often required by clients, contracts, or licensing boards — especially in regulated industries.

  • Can it cover subcontractors or employees?

    Yes — you can structure your policy to include employees and subcontractors, depending on your business model.

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

    General liability covers physical risks like slip-and-fall injuries. E&O covers professional risks — like bad advice or mistakes in service delivery.

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Let’s Protect Your Reputation and Business

With E&O insurance from CF Alliance, you’ll have the coverage — and the confidence — to keep serving your clients with peace of mind.