Errors and Omissions insurance — also called Professional Liability insurance — is designed for one specific scenario: a client claims your professional advice, service, or work product caused them a financial loss, and they sue you for it.

It doesn't matter whether you actually made an error. In New Jersey, clients and customers can — and regularly do — file professional liability claims against service providers even when no negligence occurred. What matters is that someone is pointing a finger at your business. Without E&O coverage, you're paying a lawyer out of pocket just to defend yourself.

RFK Insurance helps professionals and service businesses across North Jersey and the Jersey Shore find the right E&O policy for their industry, their client base, and their budget.

Even a Frivolous Lawsuit Is Expensive
$15,000 – $50,000+

If your business provides a professional service, advice, or expertise — and a client could hold you responsible if something goes wrong — you need E&O coverage. This includes a wide range of NJ professionals:

Errors and Omissions insurance specifically covers financial losses your clients claim resulted from your professional services. A standard E&O policy typically covers:

RFK Insurance can help you build an E&O policy with the features that matter for your profession. Standard benefits include:

• 💳Monthly payment options— spread your premium across the year to better manage cash flow.
• 👥Coverage for all staff— salaried employees, hourly workers, temporary staff, and subcontractors are all covered under your policy.
• 🕐Prior acts / retroactive coverage— protects against claims arising from work completed before your current policy began, back to a pre-agreed date. Critical when switching carriers.
• 🌍Worldwide coverage— as long as the claim is filed in the U.S., a U.S. territory, or Canada, your E&O policy responds regardless of where the work was performed.
• ⚡Claims responsiveness— fast response from your carrier when a claim is filed, because delays in professional liability situations can make things worse.
• 🔧Industry-tailored coverage— a real estate agent's E&O looks different from an IT consultant's. We build your policy around the specific risks of your profession.
• 📄Contract compliance— many NJ clients and contracts require vendors to carry E&O insurance. Your policy can be structured to satisfy standard contract insurance requirements.

As an independent insurance agency serving North Jersey and the Jersey Shore, RFK Insurance isn't tied to a single carrier. We compare professional liability policies across multiple insurers to find the right fit for your profession, your client base, and your budget. There's no one-size-fits-all E&O policy — a staffing firm's risks are completely different from a financial advisor's — and we take the time to understand your business before recommending coverage. Contact us today and let's make sure you're protected.