Professional Liability (E&O) Insurance in Houston & Texas
Who Needs Professional Liability Coverage
If your work involves advice, design, strategy, or specialized services, you face risks that a standard policy won't address. O'Sullivan Integra helps consultants, real estate agents, accountants, creatives, IT firms, and other professionals in Tomball, Cypress, and the Houston Energy Corridor with
professional liability insurance that responds to claims of mistakes, missed deadlines, or inadequate work.
What E&O Covers That GL Doesn't
General Liability focuses on injuries or property damage. Professional liability insurance addresses financial loss tied to your services-think a filing error that costs a client money or strategy advice that doesn't perform as promised. E&O can cover legal defense, settlements, and judgments stemming from alleged negligence in your professional work.
Key Features: Claims-Made, Retroactive Dates & Limits
Most E&O policies are claims-made, meaning coverage responds when a claim is made (not when the work occurred), as long as your policy is active and covers the prior work period. We'll help you manage retroactive dates, choose appropriate limits, and review
contract requirements so coverage fits the way you do business across Houston and 77377.
FAQs For Texas Professionals
I already carry GL-do I still need E&O?
Yes, if a mistake in your work could cause a client's financial loss. GL won't address purely economic damages from professional services.
Which professions can you cover?
From consultants and marketers to real estate and tech, we place E&O for a wide range of industries-tell us about your workflow and risks.
How much does E&O cost?
It varies by profession and limits. We'll shop multiple carriers to find value that fits your stage of business.
Put Confidence Behind Every Deliverable
Your reputation matters. O'Sullivan Integra will align policy terms with your contracts, set clear limits, and keep documentation ready when clients ask for proof in Tomball or downtown Houston.