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Request a E&O insurance quote Your broker will confirm the next steps.Professional liability • British Columbia
Errors & omissions insurance in BC.
Protect the work behind your expertise.
A client says your advice led to a financial loss. A missed detail delays a project. Errors and omissions (E&O) insurance may help eligible professionals respond to claims alleging negligence, mistakes or failures in their services.
The online form starts a quote request. A broker may contact you to review your operations; coverage is not activated by submitting it.
Prefer to talk? 1-833-660-9926
Professional work. Real-world responsibility.Consulting • design • technology • services
Professional negligenceAdvice, errors and omissions
BC professional servicesContracts, projects and clients
Broker guidanceCompare wording and retroactive dates
Start with a conversation
Request professional liability insurance options
Tell us about the professional services you provide. Western Coast can review available insurer options and help you compare claims-made terms, limits, deductibles and exclusions.
Discuss your professional exposures
Explain your advice, client deliverables, contracts, qualifications and previous claims or complaints.
Call 1-833-660-9926Find a local broker
Explore Western Coast branches and confirm commercial insurance support before visiting.
Find a branchWhat should I have ready for an E&O quote?
- Legal business name, location, years in practice and professional credentials
- Description of services, advice, deliverables and industries served
- Annual revenue, staff count and use of contractors or subcontractors
- Current and previous E&O coverage, retroactive date and claims history
- Client contracts, required limits and work performed outside BC or Canada
Who it is for
E&O coverage for BC professionals
Professional liability may be relevant when a client relies on your expertise, advice, designs, recommendations or contracted services.
Business & management consultants
A client alleges that a flawed recommendation caused lost revenue or additional costs.
Discuss E&O coverage →IT & technology consultants
A configuration or project-delivery error allegedly interrupts a client’s operations.
Discuss E&O coverage →Architects & designers
A client claims that a design oversight led to costly revisions or project delays.
Discuss E&O coverage →Marketing & creative agencies
A client alleges a missed campaign requirement or professional error caused financial harm.
Discuss E&O coverage →Accountants & bookkeepers
An alleged reporting or calculation error results in a client claiming a financial loss.
Discuss E&O coverage →Engineers & specialist advisers
A client disputes the accuracy of technical advice or professional deliverables.
Discuss E&O coverage →What E&O may protect
What does errors and omissions insurance cover?
E&O may respond to covered claims alleging professional negligence, errors, omissions or failure to perform professional services. Actual coverage depends on the insured services and policy wording.
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| Protection | Example | What to check |
|---|---|---|
| Negligent advice | A client alleges that a recommendation caused a financial loss. | Confirm which professional services are declared and insured. |
| Errors in deliverables | A consultant misses an important specification in a report. | Review definitions of wrongful acts and professional services. |
| Omissions & missed details | A project document leaves out information that a client relied upon. | Check exclusions and the claims-made reporting requirements. |
| Failure to perform | A client alleges that a contracted service was not completed as agreed. | Contractual liability and guarantees may be restricted. |
| Defence expenses | A covered professional-negligence allegation requires legal representation. | Ask whether defence costs erode the policy limit. |
| Eligible settlements | A covered claim results in an approved settlement or damages. | Check consent-to-settle, deductibles and policy limits. |
E&O policies are often claims-made. Retroactive dates, timely notice, territorial limits, defence treatment and exclusions can materially affect a claim. Coverage is never automatic.
Review available E&O optionsUnderstand the limits
What E&O generally does not cover
Professional liability is not a substitute for every business policy. Coverage restrictions differ by insurer, profession and wording.
Intentional acts & known claims
Fraud, deliberate wrongdoing and circumstances known before inception may be excluded. Prior acts are subject to retroactive-date and disclosure rules.
Injury, property & cyber events
Third-party bodily injury, physical property damage and cyber incidents may require E&O, commercial property or dedicated cyber protection.
Promises & contractual penalties
Performance guarantees, contractual penalties, refunds, fee disputes and liabilities assumed solely by contract may be excluded or limited.
Costs & value
What affects E&O insurance premiums?
There is no universal E&O premium for BC professionals. Insurers evaluate the services you provide, the financial consequences of potential mistakes and the terms requested.
- Profession & services
- Nature of advice, project complexity and client industries.
- Business size & contracts
- Revenue, staffing, contract values and client requirements.
- Claims & experience
- Prior allegations, years in practice and risk controls.
- Policy design
- Limits, deductibles, retroactive dates and optional extensions.
Why Western Coast
Local knowledge.
More choice.
Advice that stays with you.
Western Coast is an insurance broker. We help BC professionals review available E&O insurance options, compare claims-made conditions and understand how their client contracts affect coverage needs.
Clear policy comparisons
Compare insured services, exclusions, defence costs and retroactive-date provisions.
BC professional context
Discuss client agreements, regulated professions, project locations and service delivery.
Support when work changes
Review coverage when you expand services, hire specialists or take on larger contracts.
“Kevin Ferris was very helpful in understanding my insurance requirements. He is very friendly and professional.”
Karen B. · Coquitlam, BC · View source ↗“Thank you for your patience and professional attitude.”
Jacob W. · Vancouver, BC · View source ↗Read customer feedback about Western Coast branch service and advice.
Western Coast branch locator · View source ↗Browse published customer experiences on the Western Coast business quote page.
Western Coast business quote page · View source ↗Local advice, close to home
Find local advice about E&O insurance
Talk with a Western Coast broker about professional liability coverage in British Columbia. Call ahead to confirm that your branch can assist with your profession.
View all branch hours & contact detailsVancouver Island
Lower Mainland
Looking for another location? Open the full branch locator or call 1-833-660-9926.
Frequently asked questions
E&O insurance questions, answered
What does E&O insurance cover in British Columbia?
Errors and omissions insurance may respond to covered claims alleging professional negligence, mistakes, omissions or failure to deliver insured professional services. Defence costs and eligible damages depend on the policy.
Who should consider professional liability insurance?
Consultants, designers, technology specialists, accountants and other service providers may need E&O when clients rely on their advice or deliverables. Certain regulated professions may have separate requirements.
Is E&O the same as commercial general liability insurance?
No. E&O focuses on covered professional-service allegations, often involving financial loss. CGL generally addresses third-party bodily injury or property damage claims. Some businesses need both.
What is a claims-made E&O policy?
Many E&O policies respond to claims first made and reported during the applicable policy period, subject to conditions. A retroactive date may limit how far back the alleged work can have occurred.
Does E&O cover mistakes made before my policy started?
Possibly, but only if the policy includes applicable prior-acts coverage, the retroactive date permits it and no other exclusion applies. Known claims or circumstances may be excluded.
Are contract disputes or guaranteed results covered?
Not necessarily. Fee disputes, refunds, contractual penalties, performance guarantees and liabilities assumed solely by contract may be excluded or restricted.
What affects the cost of E&O insurance?
Premiums may depend on your profession, services, revenue, client contracts, claims history, coverage limits, deductible, geographic scope and retroactive date.
What information is needed for an E&O quote?
Be ready to describe your professional services, qualifications, annual revenue, employees, contracts, prior insurance, retroactive date, claims history and required limits.
Does submitting the online quote form activate E&O insurance?
No. The business form begins a quote request. A broker and insurer must review eligibility and terms, and coverage begins only after the policy is accepted and its effective date is confirmed.
Keep exploring
Helpful guides for BC professionals
Your next step
Explore E&O coverage for the expertise you provide.
Tell us about your services and client obligations. Western Coast can help you compare available professional liability options.
Submitting a request does not activate insurance.
Coverage is subject to insurer eligibility, underwriting, policy terms, limits, conditions and exclusions. The policy wording governs.
Western Coast Insurance Services is a wholly owned division of Western Financial Group Ltd. Insurance products are underwritten by certain licensed insurance companies and are only available throughout British Columbia, Canada.