Professional Liability Insurance in Texas

Coverage that protects your reputation.

If you give advice, provide a service, or manage projects, you could be held liable for mistakes—even if you didn’t actually do anything wrong. At Tatum Insurance Group, we help Texas professionals get the E&O coverage they need to handle claims of errors, missed deadlines, or client dissatisfaction—without letting one misstep derail your business.

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When your work is your word.

General liability won’t cover claims tied to professional services or advice—that’s where E&O (errors and omissions) coverage comes in. Whether you're a consultant, realtor, contractor, or service provider, this policy helps protect you if a client says your work caused them financial harm. We’ll help you understand where your risks are and build a plan that fits your field and your workload.

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Coverage For the “What Ifs” in Your Work

This policy is built to protect your business from claims tied to how you work, not just where you work. It’s an essential layer for many professionals and consultants across East Texas.

Negligence Claims

Helps cover legal costs if a client says you made a mistake or left something out.

Missed Deadlines or Deliverables

Covers claims tied to delays or incomplete work.

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Client Financial Losses

Helps if your service caused a client to lose money—even unintentionally.

Defense Costs

Covers lawyer fees, settlements, and court costs for covered claims.

Got questions about E&O insurance in Texas?

  • What is E&O insurance and who needs it?

    It’s coverage for professionals who provide advice, services, or recommendations. If you work with clients or manage projects, chances are you need it.

  • Do I need professional liability if I already have general liability?

    Yes—they cover different things. General liability handles physical risks; professional liability covers mistakes, advice, and missed deliverables.

  • How much does E&O insurance cost?

    It depends on your industry, risk level, and claim history. We shop multiple carriers to find the best fit for your budget and your field.

  • Is this the same as malpractice insurance?

    It’s a similar concept. Malpractice insurance is a specific type of professional liability coverage for medical and legal professionals.