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Professional Liability (Errors & Omissions) Insurance in South Carolina

Professionals across many industries face the risk of being held responsible for mistakes, missed deadlines, or claims of inadequate service. Professional liability insurance—also known as errors and omissions (E&O) insurance—helps protect service-based businesses from the financial impact of lawsuits brought by clients who believe your work caused them financial loss.


Hutson-Etherredge Companies offers coverage for South Carolina professionals including consultants, advisors, designers, engineers, and other service providers who need protection from service-related liability claims.

What Does This Insurance Cover?

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Errors and omissions
Covers claims related to mistakes, oversights, or professional advice that result in a financial loss for your client.

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Negligence claims
Protects against lawsuits alleging failure to deliver services with the expected level of care or professionalism.

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Breach of contract
Covers legal defense and potential settlements if a client claims you did not meet the terms of your contract.

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Legal costs
Includes attorney fees, court costs, and settlements associated with covered claims.

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Work performed by employees
Extends to actions taken by employees or subcontractors while performing services on behalf of your business.

Why You Need It

Helps safeguard your reputation

Even unfounded claims can lead to costly legal fees and reputational damage without the right coverage in place.

Often required by clients

Many contracts require professional liability insurance before work begins, especially in consulting and technical fields.

Supports financial stability

Without protection, your business may be responsible for high legal costs or settlements following a claim.

Frequently Asked Questions

  • Who needs professional liability insurance?

    Any business that provides professional advice, design, services, or consulting—including attorneys, architects, engineers, consultants, and IT professionals—should consider this coverage.







  • Does this insurance cover physical injuries?

    No. Professional liability covers financial losses due to service-related claims. Physical injury and property damage are addressed under business general liability policies.







  • Is this different from general liability?

    Yes. General liability handles bodily injury and property damage. Professional liability addresses claims tied to the quality or performance of your professional services.


Get a Quote for Professional Liability Insurance

If your work involves delivering services or guidance, professional liability insurance helps protect you from costly service-related claims. Hutson-Etherredge Companies is here to help you find the right solution for your business.



Call us at  803-649-5141 or request a free quote online.