Professional liability insurance California firms can trust
Protection for service and advice risks
Professional liability insurance California service businesses rely on addresses claims tied to negligence, errors, or omissions in your work. It helps pay defense costs and settlements when a client alleges financial loss from advice, design, coding, analysis, or project management. In South Orange County, contracts often set specific limits for E&O, along with requirements for general liability and a commercial umbrella. Philip B. Robinson Insurance reviews your statements of work and scopes so coverage follows how you actually operate.
Who needs it in South OC
Consultants, creatives, and technology teams in Laguna Niguel, Irvine Spectrum, and Newport Beach face contract language that calls for E&O before work begins. Financial professionals, marketing agencies, software developers, and fractional executives also carry E&O because a missed deliverable or faulty advice can trigger costly disputes. We align policy language with master services agreements, add project aggregates when needed, and coordinate certificates for fast onboarding.
Claims-made continuity and retro dates
E&O is written on a claims-made basis. That means maintaining continuity, preserving retroactive dates, and planning tail coverage when contracts require it. We document prior acts dates during renewals and when changing carriers to avoid gaps.
How does E&O differ from GL?
E&O addresses claims for financial loss from your professional services, such as design errors or incorrect advice. GL focuses on bodily injury, property damage, and personal and advertising injury. Many firms carry both to satisfy contracts and cover different risks.
What limits are typical for small firms in Orange County?
Common starting points are $1M per claim and $1M aggregate, with higher limits for enterprise contracts. We assess client requirements, revenue exposure, and project size to set a practical limit and layer excess when needed.
Is E&O claims-made or occurrence?
E&O is almost always claims-made. We track retro dates, explain tail options, and plan renewals so you maintain continuous coverage across policy years and vendor platforms.
Can I add cyber liability to my E&O?
Some carriers bundle cyber endorsements, but dedicated cyber policies provide broader breach response, privacy, and business interruption. We compare both paths and place the right mix for your data and vendor obligations.
Do contractors and subs need to carry their own E&O?
Many prime contracts require subs to maintain E&O and name the prime as additional insured where available. We help you set vendor insurance requirements and review certificates before work begins.
Contract-ready coverage with local support
Philip B. Robinson Insurance translates SOWs into clear coverage. We coordinate general liability and commercial umbrella alongside E&O, deliver accurate certificates, and keep retro dates intact through each renewal.
Get E&O guidance
Share your contract language and current policy. We will return options that fit your services, client demands, and growth plans in Orange County.