---
title: "What Is E&O (Errors and Omissions Insurance)? | Epic Life"
description: "E&O insurance, short for errors and omissions insurance, covers an agent against claims that a mistake or missed duty in their work harmed a client. It..."
url: https://epicline.preview.multisites.ai/glossary/e-o-insurance
publisher: Epic Life Group
apply: https://epicline.preview.multisites.ai/apply
quote: https://epicline.preview.multisites.ai/get-a-quote
---

Agent licensing and appointments

# Errors and Omissions Insurance (E&O)

E&O insurance, short for errors and omissions insurance, covers an agent against claims that a mistake or missed duty in their work harmed a client. It is a form of professional liability coverage.

## Why it matters

Carriers and agencies often require proof of E&O before contracting. It may cover legal defense and certain damages if a customer says the agent gave bad advice or filed an application wrong. Limits, deductibles, and exclusions differ by policy. Some agencies offer a group program. Agents should read what the policy covers, since it does not cover fraud.

Source: [law.cornell.edu](https://www.law.cornell.edu/wex/insurance)

[Read next, for agentsHow life insurance licensing works across multiple states](https://epicline.preview.multisites.ai/careers/licensing)

## Where we use this term

-   [How to join an IMO: the questions to ask before you sign](https://epicline.preview.multisites.ai/guides/how-to-join-an-imo)

## Start your climb.

Tell us where you are today and request a call about licensing, training and the calls.

[Apply to join](https://epicline.preview.multisites.ai/apply)

Shopping for coverage instead? [Get a quote](https://epicline.preview.multisites.ai/get-a-quote)