Professional services firms in the United States—especially in high-litigation markets like New York City, Los Angeles, and Chicago—must treat contracts as a first line of …
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How Indemnity Clauses Affect Professional Liability Insurance (Errors & Omissions) Coverage
Indemnity clauses are a central part of commercial contracts—and they directly influence how Professional Liability (Errors & Omissions, or E&O) insurance responds to claims. For …
Vendor and Subcontractor Contracts: Transferring E&O Exposure Without Losing Coverage
Professional services firms in New York, San Francisco, Los Angeles, Chicago and Houston routinely use vendor and subcontractor contracts to shift risk. But poorly drafted …
How to Negotiate Indemnity Clauses to Preserve Professional Liability Insurance (Errors & Omissions) Coverage
Indemnity clauses are one of the most common reasons Errors & Omissions (E&O) policies become voided or limited. When a client or vendor demands broad, …
Sample Contract Language to Align Indemnities with Professional Liability Insurance (Errors & Omissions)
When negotiating indemnity clauses for professional services in the United States—especially in major markets such as New York City, San Francisco, Chicago, and Dallas—the primary …
What to Do If a Contract Forces You Into an Uninsurable Risk With Professional Liability Insurance (Errors & Omissions)
When a client contract requires you to assume liability that your professional liability (Errors & Omissions, E&O) insurer will not cover, you face immediate financial …
When Contractual Caps Conflict with Professional Liability Insurance (Errors & Omissions) Policies
Contracts routinely use limitation of liability (caps) to manage exposure between parties. But when those caps clash with Professional Liability (Errors & Omissions, “E&O”) insurance …
Uninsurable Contractual Obligations: Identifying and Avoiding Risky Clauses
Professional services firms in the USA—consultants, architects, IT vendors, and other knowledge-based businesses—commonly rely on Professional Liability Insurance (Errors & Omissions, or E&O) to transfer …
Buying Tail Coverage vs Changing Carriers: Cost and Strategy for Professional Liability Insurance (Errors & Omissions)
Professional services firms—consultants, architects, engineers, IT firms, and financial advisors—frequently face a key coverage decision when switching insurers or winding down operations: buy tail coverage …
Hold Harmless, Limitation of Liability and Professional Liability Insurance (Errors & Omissions): Practical Guidance
Professional services firms in the United States routinely use contract terms—hold harmless, limitation of liability, and indemnity clauses—to allocate risk. When these clauses interact with …