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
492
Carriers
27
Avg impact
+8.5%
Max increase
+71.2%
Max decrease
-40.0%
Rate impact by state
| State | Filings | Avg |
|---|---|---|
| GA | 23 | +8.8% |
| ID | 22 | +8.1% |
| IN | 18 | +8.0% |
| CO | 17 | +12.4% |
| CT | 17 | +5.4% |
| DC | 17 | +6.6% |
| TN | 17 | +7.2% |
| KS | 15 | +7.3% |
Largest average moves
| Carrier | Avg | Filings |
|---|---|---|
| ALPS Property and Casualty Insurance Company29 states | +45.0% | 29 |
| Fairfax Financial Group8 states | +35.7% | 8 |
| Amtrust Financial Services Group1 states | +26.7% | 1 |
| Markel Corporation Group17 states | -25.6% | 21 |
| Shelter Insurance Group1 states | +24.0% | 1 |
| Tiptree Financial Group1 states | +20.0% | 1 |
| WR Berkley Corporation Group32 states | +19.5% | 33 |
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 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 |
|---|---|---|---|---|
| Lawyers Professional Liability Program | Colonial Surety Company | New | 56 | Aug 11, 2026 |
| Professional Liability Rating Rule Revision | Tokio Marine Holdings Incorporated Group | Revised | 27 | Aug 11, 2026 |
| Insurance Professionals Errors and Omissions Liability | Liberty Mutual Group | Withdrawn | 1 | Aug 11, 2026 |
| Protexure Lawyers Professional Liability Program | Ismie Group | Other | 15 | Aug 10, 2026 |
| Pe Professional Liability | Munich RE Group | New | 5 | Aug 10, 2026 |
| Professional Liability - Us Direct | Hiscox Insurance Group | Revised | 3 | Aug 10, 2026 |
Top carriers
Berkshire Hathaway Group570
Chubb Limited Group264
QBE Insurance Group214
Swiss RE Group214
CNA Insurance Group175
American International Group150
Fairfax Financial Group143
Tokio Marine Holdings Incorporated Group135
Top states
CT168
CO133
GA125
ID125
MS114
CA107
WI106
NC105