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#claims-made

3개의 글

Professional Liability Insurance (E&O) for Consultants 2026: Coverage, Cost Drivers & How Much You Need

Professional Liability Insurance (E&O) for Consultants 2026: Coverage, Cost Drivers & How Much You Need

A 2026 guide to professional liability insurance — errors & omissions (E&O) — for U.S. consultants and professional-service firms: what it covers (negligence, mistakes, missed deadlines, breach of duty), how it differs from general liability, the cost drivers (revenue, industry, limits, claims history), claims-made vs occurrence, retroactive dates and tail coverage, and how much coverage a consultant actually needs.

professional liability errors and omissions E&O insurance
Errors & Omissions (E&O) Insurance Cost 2026: Who Needs It, Premium Factors, Limits & Tail Coverage Explained

Errors & Omissions (E&O) Insurance Cost 2026: Who Needs It, Premium Factors, Limits & Tail Coverage Explained

A practical 2026 guide to Errors & Omissions (E&O) insurance, also called professional liability: who needs it, how it differs from general liability, claims-made vs occurrence coverage, retroactive dates, what drives the premium, how to choose limits and deductibles, and why tail coverage matters when you switch carriers, retire, or close your business.

errors and omissions professional liability E&O insurance
E&O 보험(전문직 배상책임보험) 비용 2026: 누가 필요한가, 보험료 결정요인·한도·꼬리담보 완전정리

E&O 보험(전문직 배상책임보험) 비용 2026: 누가 필요한가, 보험료 결정요인·한도·꼬리담보 완전정리

미국에서 사업하거나 프리랜서로 일하는 사람을 위한 E&O(Errors & Omissions, 전문직 배상책임) 보험 가이드입니다. 어떤 직군이 필요한지, 일반배상책임(GL)과 무엇이 다른지, claims-made와 occurrence의 차이, 보험료를 결정하는 요인, 배상한도(limit)와 자기부담금, 그리고 계약 해지·은퇴 시 필요한 tail coverage(꼬리담보)까지 2026년 기준 비용 구조를 실무 관점으로 정리했습니다.

E&O보험 전문직배상책임 professional liability