Errors & Omissions (E&O) Insurance in Indiana
Protect Your Reputation and Your Business – Serving Danville, Brownsburg & All of Indiana
If your business provides advice, consulting, or professional services, one mistake — or even a perceived one — could lead to an expensive lawsuit. E&O insurance, also called professional liability insurance, helps cover legal defense and settlement costs if a client claims your work caused them financial harm.
At Hadley Insurance, we help Indiana professionals safeguard their livelihood with affordable E&O insurance policies. As a veteran-owned, independent agency serving Danville, Brownsburg, Hendricks County, and the entire state, we shop multiple carriers to find the right protection for your profession.
What E&O Insurance Covers
Even the best professionals can make mistakes — or be accused of them. E&O helps protect against:
- Negligence Claims – Mistakes, errors, or omissions in service delivery
- Missed Deadlines – Failing to meet contractual timelines or obligations
- Incorrect Advice – Giving guidance that results in a financial loss
- Contract Disputes – Disagreements over terms, deliverables, or results
- Defense Costs – Legal fees, court costs, and settlement expenses
Who Needs E&O Insurance in Indiana?
If your work involves expertise, advice, or contractual service, you’re at risk. We commonly insure:
- Insurance agents and brokers
- Real estate professionals
- Consultants and business advisors
- IT service providers and software developers
- Accountants and financial planners
- Marketing and creative professionals
Local E&O Risks for Indiana Professionals
Even small, honest errors can trigger major claims. Common scenarios include:
- Misunderstood contract terms between a service provider and a client
- A consultant’s advice causing financial loss for a small business
- Real estate disclosures being challenged after a transaction
- Clerical errors leading to missed filings or compliance issues
Frequently Asked Questions
E&O Insurance in Indiana
Is E&O insurance required in Indiana?
Not by law — but it may be required by state licensing boards, vendor contracts, or client agreements depending on your profession.
How is E&O different from general liability?
General liability covers physical risks like injuries or property damage. E&O covers professional service errors and advice-related claims.
Can I combine E&O with cyber or general liability?
Yes. We offer packaged options tailored to professional service providers across Indiana.
How much does E&O cost?
Most E&O policies for small businesses or solo professionals range from $500–$1,500 per year, depending on industry and coverage limits.
What happens if I’m accused of a mistake but didn’t do anything wrong?
E&O helps cover defense costs, even if the claim is groundless. Legal fees alone can run thousands without coverage.
Get the Coverage Your Profession Demands
E&O Insurance for Indiana Professionals Who Can’t Afford Risk
From Danville to Brownsburg and all across Indiana, Hadley Insurance provides peace of mind for professionals. Let’s make sure you’re protected.