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
444
Carriers
26
Avg impact
+10.9%
Max increase
+71.2%
Max decrease
-40.0%
Rate impact by state
| State | Filings | Avg |
|---|---|---|
| GA | 20 | +10.2% |
| IN | 19 | +11.2% |
| CT | 18 | +7.8% |
| ID | 18 | +12.3% |
| KS | 16 | +10.0% |
| TN | 16 | +10.1% |
| DC | 15 | +8.7% |
| WI | 15 | +12.7% |
Largest average moves
| Carrier | Avg | Filings |
|---|---|---|
| ALPS Property and Casualty Insurance Company30 states | +46.0% | 30 |
| Fairfax Financial Group7 states | +32.3% | 7 |
| Coverys Group31 states | +30.0% | 31 |
| Markel Corporation Group20 states | -24.9% | 25 |
| WR Berkley Corporation Group32 states | +19.2% | 34 |
| Liberty Mutual Group9 states | +16.8% | 9 |
| Tokio Marine Holdings Incorporated Group30 states | +10.6% | 52 |
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% |
| Jul 8, 2026 | ALPS Property and Casualty Insurance Company | KS | Lawyers Professional Liability Program | +62.2% | +107.7% |
| May 12, 2026 | ALPS Property and Casualty Insurance Company | ND | Lawyers Professional Liability Program | +60.7% | +107.7% |
| Jun 11, 2026 | ALPS Property and Casualty Insurance Company | AK | Lawyers Professional Liability Program | +59.0% | +107.7% |
| 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 |
|---|---|---|---|---|
| Foxquilt Professional Liability Errors & Omissions | Markel Corporation Group | Revised | 85 | Nov 10, 2026 |
| Employed Lawyers Professional Liability by Chubb Policy | Chubb Limited Group | Revised | 60 | Nov 10, 2026 |
| Direct Professional Liability Program | Hiscox Insurance Group | Revised | 26 | Nov 10, 2026 |
| Travelers Professional Liability 2.0 Form Filing 2026-10-0709 | Travelers Group | Revised | 14 | Nov 10, 2026 |
| Rli Target Professionals | RLI Insurance Group | Revised | 5 | Nov 10, 2026 |
| Travelers Professional Liability 2.0 Form Filing 2026-10-0709-F | Travelers Group | Revised | 2 | Nov 10, 2026 |
Top carriers
Top states
CT180
ID143
CO131
GA123
MS123
NC115
AR111
WI105