Professional Liability E&O 2027 Calculator

Calculate Errors & Omissions insurance 2027 — covers professional malpractice. Lawyers, consultants, IT, real estate need it. Cost varies by profession + revenue.

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Business Insurance Basics

Different policies cover different risks. Layered approach: BOP + Liability + Professional + Cyber. Don't rely on single policy.

Risk-Based Pricing

Insurer assesses industry risk (construction high, consulting low), revenue, claims history, security controls. Better controls = lower premium.

Coverage Limits

Buy enough — single claim can wipe small business. Underwriters can refuse renewal after big claim. Build claims-free history.

Common Exclusions

Read policy carefully. Cyber attacks excluded from general liability. Professional services excluded from BOP. Get specialty coverage where needed.

Source: iii.org professional liability, insureon.com E&O quotes. Last updated: May 2026.