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
418
Carriers
27
Avg impact
+10.0%
Max increase
+71.2%
Max decrease
-40.0%
Rate impact by state
| State | Filings | Avg |
|---|---|---|
| ID | 22 | +8.5% |
| GA | 20 | +9.9% |
| IN | 16 | +9.4% |
| CT | 15 | +5.9% |
| TN | 15 | +8.4% |
| CA | 14 | +5.4% |
| VT | 14 | +8.6% |
| WI | 14 | +12.0% |
Largest average moves
| Carrier | Avg | Filings |
|---|---|---|
| ALPS Property and Casualty Insurance Company30 states | +46.2% | 30 |
| Fairfax Financial Group8 states | +35.7% | 8 |
| Coverys Group2 states | +28.4% | 2 |
| Amtrust Financial Services Group1 states | +26.7% | 1 |
| Markel Corporation Group18 states | -26.2% | 22 |
| Shelter Insurance Group1 states | +24.0% | 1 |
| Tiptree Financial Group1 states | +20.0% | 1 |
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% |
| Dec 16, 2025 | Fairfax Financial Group | MA | Lawyers Professional Liability Filing | +59.1% | +40.0% |
| 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% |
Recent updates
| Product | Carrier | Status | Filings | Latest |
|---|---|---|---|---|
| Lawyers Professional Liability | Coverys Group | Revised | 2 | Sep 15, 2026 |
| Financial Products | Fairfax Financial Group | Revised | 32 | Sep 14, 2026 |
| Professional Liability Rating Rule Revision | Tokio Marine Holdings Incorporated Group | Revised | 24 | Sep 14, 2026 |
| Lawyerguard | QBE Insurance Group | Revised | 9 | Sep 14, 2026 |
| Professional Liability Cross Coverage Form Filing 2026-01-0739-Pl | Travelers Group | Revised | 2 | Sep 14, 2026 |
| Everest Expedition Not for Profit Management Liability | Everest Reins Holdings Group | Revised | 8 | Sep 11, 2026 |
Top carriers
Berkshire Hathaway Group546
Chubb Limited Group271
QBE Insurance Group228
Swiss RE Group228
CNA Insurance Group147
Fairfax Financial Group139
THE Hanover Insurance Group133
Tokio Marine Holdings Incorporated Group133
Top states
CT156
CO134
ID128
GA114
MS112
NC107
LA105
CA101