Professional Liability Insurance
Oklahoma

Who Really Needs This Stuff?

If you’re giving advice, handling people’s money, or making decisions that affect someone else’s life or business, you probably need E&O insurance. Here’s who we work with every day:

What Does E&O Actually Cover?

Good question. Here’s what you’re really buying:

Every policy is different, which is why we actually read the fine print for you.

How We Get You Covered Fast

We’ve streamlined this process because nobody has time for paperwork marathons:

1. Quick chat – What do you do, how long have you been doing it, and what’s your revenue?
2. Risk review – We look at your services, contracts, and how you manage risk
3. Options time – Pick your limits, deductible, and coverage details
4. History check – Any past claims? (Don’t worry, most people don’t have any)
5. Quote delivery – We send you real options with real prices

How Much Coverage Do You Need?

This is where experience really matters. Here’s what we typically recommend:

• Coverage limits: Usually $250K to $1M per claim, but some clients need $5M or more
• Deductibles: $1K to $25K, depending on your cash flow and risk tolerance
• Defense costs: Some policies include these in your limits; others don’t (this matters more than you think)
• Retroactive date: Covers your past work don’t lose this when switching carriers
• Tail coverage: Protects you after you retire or sell your business

Ready to Get Protected?

We work with the carriers who actually understand professional risk not just the ones with the biggest marketing budgets. Give us a few details and we’ll show you what’s available.

Questions We Get All the Time

Is E&O the same thing as professional liability?

Yes, just different names for the same coverage. “E&O” stands for “Errors and Omissions” basically insurance for when you mess up professionally.

Do real estate agents in Oklahoma actually need this?

Most brokerages require it, and so do many MLS organizations. Even if yours doesn’t, one lawsuit can wipe out years of commissions. We’ve seen it happen.

What’s this retroactive date thing?

It’s the cutoff date for when your coverage starts looking backward. If you’ve had E&O before, you want to keep that same date so there are no gaps in coverage.

Can I add cyber coverage to this?

Sometimes yes, sometimes it’s better to get a separate cyber policy. Depends on what you do and how much data you handle. We can walk you through the options.

How fast can I get a certificate of insurance?

Usually the same day once you say yes and pay the premium. Just let us know if your client or vendor has any special wording requirements.

What to Have Ready When You Call

Having this stuff handy will speed things up:

• Your current E&O policy (if you have one)
• Any claims from the past five years
• List of what services you provide
• Rough revenue numbers and how many people work for you
• Any insurance requirements from clients or licensing boards

Why Choose Us?

Here’s what makes us different:

• We’re independent; we shop multiple carriers to find your best deal
• We’re local; based right here in OKC, so we understand Oklahoma business
• We’re straight shooters; no insurance jargon, just honest advice
• We stick around help with renewals, claims, and whatever comes up

Other Coverage You Might Need

• Business Owners Policy The foundation of business insurance
• Cyber Liability Because hackers are everywhere
• Workers Comp Required if you have employees
• General Liability Covers the basics

OKC Insurance Brokers are real people helping Oklahoma professionals protect what they’ve built. All quotes are subject to underwriting, and your actual coverage depends on the policy we issue.