Errors and omissions (E & O) insurance covers your business or you as an individual if you provide a service for a client which did not have the promised or desired outcome or fail to provide a promised service. In the case of doctors this insurance is usually referred to as malpractice insurance, and for attorneys, engineers, accountants and architects as professional liability insurance. However, there are people in many other fields who need this insurance and may not know it, thus exposing themselves to unnecessary risk. How do you know if you have E & O expos ...