Professional Liability (E&O) for Contractors | 1099Policy
Professional liability (E&O) priced to the engagement, not the fiscal year.
Professional Liability in the consultant's name, sized to the SOW. A $50K engagement carries a fraction of an annual premium, and procurement still gets its COI on day one.
Price a sample SOW → See a sample COI
Professional Liability (E&O)
● Active
Insured
Independent Contractor (named) The consultant is the named insured, sized to the SOW. The client can be added where the contract requires it.
Coverage
Contractor-named E&O Defense and covered claims for errors, omissions, and negligent professional services, written on a claims-made form.
Trigger
Per-engagement Bound to the SOW and active for the engagement window, with the retro date set at bind.
Form
Claims-made Claims are covered when made during the policy period, back to the retro date.
Time to bind
Under 60 seconds Average enrollment + SOW details
COI delivery
Instant PDF Fetch via API or dashboard. Additional insured supported where the contract requires it.
Errors & omissions
Claims that the contractor's professional work was negligent, wrong, or incomplete, with legal defense.
- ✓ Defense costs included
- ✓ Negligence and errors
- ✓ Named in the contractor's policy
Claims-made defense
Covered when a claim is made during the policy period, back to the retro date set at bind.
- ✓ Retro date set at bind
- ✓ Carrier-managed claims
- ✓ Defense costs included
Contract & COI compliance
Meets the E&O requirement in the client's SOW, with an instant COI procurement can verify on day one.
- ✓ SOW-sized limits
- ✓ Instant COI evidence
- ✓ Verified on day one
Contractor opts in
Embedded in your existing onboarding. Role, scope of work, and engagement value are the inputs the carrier needs to underwrite.
We bind
Carrier-backed quote returns in under a second, with the retro date set at bind. Premium sized to the SOW.
COI delivered
Instant PDF procurement can verify on day one. Archived for retrieval, accessible via API or dashboard.
Bring a real SOW. We'll price it live.
We'll price E&O against one of your real SOWs and walk you through the claims-made form, the retro date, and what procurement sees on the COI.
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