Product background
Professional errors and omissions liability covers claims arising from professional or business-related duties, with coverage tailored to the services and risk profile of a specific profession.
Professional E&O filing research often focuses on claims-made triggers, professional services definitions, retroactive dates, extended reporting periods, applications, disciplinary proceedings, cyber carvebacks, and profession-specific exclusions.
Common filing signals
- Professional liability policy forms, applications, questionnaires, and declarations
- Professional services definitions, retroactive dates, ERP provisions, and prior acts endorsements
- Profession-specific exclusions, cyber carvebacks, disciplinary proceeding coverage, and consent-to-settle terms
Rate impact
Filings
487
Carriers
27
Avg impact
+7.0%
Max increase
+71.2%
Max decrease
-40.0%
Rate impact by state
| State | Filings | Avg |
|---|---|---|
| GA | 23 | +9.2% |
| ID | 19 | +7.9% |
| DC | 18 | +5.3% |
| IN | 18 | +6.5% |
| TN | 17 | +3.7% |
| VT | 17 | +6.1% |
| CO | 16 | +5.4% |
| CT | 16 | +4.5% |
Largest average moves
| Carrier | Avg | Filings |
|---|---|---|
| ALPS Property and Casualty Insurance Company22 states | +44.0% | 22 |
| Fairfax Financial Group8 states | +38.5% | 8 |
| Amtrust Financial Services Group1 states | +26.7% | 1 |
| Markel Corporation Group17 states | -24.9% | 20 |
| Shelter Insurance Group1 states | +24.0% | 1 |
| Tiptree Financial Group1 states | +20.0% | 1 |
| WR Berkley Corporation Group31 states | +20.0% | 32 |
Notable rate impact filings
| Date | Carrier | State | Product | Impact | Max change |
|---|---|---|---|---|---|
| May 18, 2026 | ALPS Property and Casualty Insurance Company | GA | Lawyers Professional Liability Program | +71.2% | +132.8% |
| Dec 18, 2025 | Fairfax Financial Group | MO | Lawyers Professional Liability Filing | +65.5% | +78.0% |
| May 12, 2026 | ALPS Property and Casualty Insurance Company | SD | Lawyers Professional Liability Program | +63.1% | +107.7% |
| Dec 18, 2025 | Fairfax Financial Group | GA | Lawyers Professional Liability Filing | +62.7% | +78.0% |
| May 12, 2026 | ALPS Property and Casualty Insurance Company | ND | Lawyers Professional Liability Program | +60.7% | +107.7% |
| Dec 16, 2025 | Fairfax Financial Group | MA | Lawyers Professional Liability Filing | +59.1% | +40.0% |
| Jun 10, 2026 | ALPS Property and Casualty Insurance Company | HI | Lawyers Professional Liability Program | +58.5% | +107.7% |
| May 12, 2026 | ALPS Property and Casualty Insurance Company | WI | Lawyers Professional Liability Program | +58.5% | +107.7% |
Recent updates
| Product | Carrier | Status | Filings | Latest |
|---|---|---|---|---|
| E&O Media Liability Refresh | QBE Insurance Group | New | 2 | Jun 22, 2026 |
| Accountants Professional Liability Insurance Program | WR Berkley Corporation Group | Other | 1 | Jun 22, 2026 |
| Insurance Agents and Brokers Errors and Omissions Program/Protector Insurance Agents and Brokers Errors and Omissions Program - Idaho Changes - Cancellation and Nonrenewal | Utica Group | Revised | 1 | Jun 18, 2026 |
| Life Insurance Agents and Brokers Errors & Omissions Program – Idaho Changes – Cancellation and Nonrenewal - Form | Utica Group | Revised | 1 | Jun 18, 2026 |
| Life Insurance Agents and Brokers Errors & Omissions Program – Idaho Changes – Cancellation and Nonrenewal - Rule | Utica Group | Revised | 1 | Jun 18, 2026 |
| Direct Professional Liability | Hiscox Insurance Group | Revised | 5 | Jun 17, 2026 |
Top carriers
Berkshire Hathaway Group572
Chubb Limited Group334
QBE Insurance Group219
Swiss RE Group197
AXA Insurance Group187
CNA Insurance Group186
Travelers Group156
Fairfax Financial Group143
Top states
CT174
GA131
MS118
NC118
WI118
MD116
ID113
CO110