Errors and Omissions Insurance
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Errors and omissions insurance certificate

A certificate of insurance is a document that verifies you have errors and omissions coverage. It's not uncommon for clients or new business partners to ask for a copy of your certificate. 

An E&O certificate provides proof of insurance

When your business secures an errors and omissions (E&O) policy, you'll receive a certificate of insurance. This certificate contains key information about your policy and provides proof of insurance to your clients. This document can also lead to more business opportunities.

To see what one looks like, review this sample certificate of liability insurance [PDF].

What information does an E&O certificate include?

A certificate of liability insurance is a document that certifies that your company has E&O insurance. It is not a legal document; it's more like an insurance card you carry in your wallet. But unlike an insurance card, this document provides a concise summary of your E&O coverage, all on one page.

The information provided on the certificate of liability insurance falls into the following categories:

General info about you and your insurers. The top of the certificate identifies your business as the insured along with your business name and contact information. It also lists the insurance companies providing your coverage.

Coverage information. The main section of the certificate outlines your business's insurance coverage, including your policy limits, deductibles, policy numbers, and the effective dates of coverage.

Description of operations. Your certificate may also specify the work your business does. For E&O insurance, this defines the scope of your professional liability coverage (e.g., an architect is covered for designing buildings, but not for providing legal advice).

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What are the benefits of having a certificate of liability insurance?

A certificate of liability insurance can help you obtain more business opportunities. For example, your certificate can help you:

Secure contracts and clients. A certificate of liability insurance proves to potential clients and business partners that you have E&O coverage. Certain clients will require proof of insurance before contracting with you, and a certificate is an efficient and easy way to accomplish that. You can fax or email the document to a client in seconds.

Provide clients with peace of mind. At the bottom of your certificate is a box specifying the "certificate holder." If you arrange to have your client made an official certificate holder, they will receive notification from your insurer if you cancel your policy or allow it to lapse. Your clients will appreciate this guarantee of your insured status.

How do you get a certificate of liability insurance?

The only way to obtain a certificate of liability insurance is to have an active insurance policy. If you don't have E&O insurance, you can complete Insureon's easy online insurance application to get quotes from top-rated carriers.

From there, it's a matter of choosing the E&O policy that best matches your needs and working with an Insureon agent to finalize your policy details. Once your policy is active, you'll receive a certificate of liability insurance.

Insureon can help you secure a general liability insurance certificate, workers' compensation insurance certificate, or any other coverage you need. If you already have an active policy, contact your Insureon agent or log in to your account with our Customer Portal to download or request a certificate.

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Complete Insureon’s easy online application today to compare errors and omissions insurance quotes from top-rated U.S. providers. Once you find the right policy for your small business, you can begin coverage in less than 24 hours.

Updated: April 29, 2022
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