Protection for Professionals

Professional Liability Insurance in  Missouri

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Protection for Professionals

E&O Insurance That Helps You Stay Focused on Your Work

No one plans to make a mistake, but even a small oversight can lead to a costly claim. That’s why professionals across Missouri carry professional liability insurance, also known as errors and omissions (E&O) coverage. At Fortner Insurance, we help business owners, consultants, nonprofits, and licensed professionals get the right protection for their work, reputation, and peace of mind. Whether you’re offering advice, managing client files, or providing specialized services, we’ll help you build an E&O policy that covers what you d, and how you do it.

What We Offer

Errors & Omissions Coverage for Missouri Professionals

Negligence Claims

Covers mistakes, missed deadlines, or professional oversights that lead to financial harm.

Legal Defense Costs

Helps pay for attorney fees, court costs, and settlements—even if the claim is baseless.

Work Performance Coverage

Protects your business if your service or advice leads to an error or omission.

Custom Coverage by Industry

Tailored protection for consultants, nonprofits, real estate agents, educators, and more.

Claims-Made Policies

We’ll explain the importance of coverage timing, retroactive dates, and extended reporting periods.

Policy Limits That Fit Your Risk

Choose from flexible options based on your contracts, clients, or licensing requirements.

Directors & Officers Liability

Coverage for board members and executives facing claims related to leadership decisions, mismanagement, or fiduciary responsibilities.

Add-Ons Available

Combine with general liability or cyber liability insurance for more complete protection.

Why Professionals Trust Fortner

Industry Insight. Honest Advice. Local Support.

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We Understand Your Business Risks

 From clerical errors to complex advisory work, we’ve helped all kinds of Missouri professionals navigate their E&O exposures.

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We Help You Avoid Surprises

We take time to explain what’s covered, and what’s not, so you’re never left guessing.

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We Support You Through Claims

If a client files a claim, we’ll be here to walk you through next steps and work directly with your carrier.

Professional Liability FAQs

What Missouri Business Owners Ask Most

  • What’s the difference between professional liability and general liability?

    Professional liability covers financial loss from errors in your services or advice. General liability covers physical injuries or property damage.

  • Who needs E&O insurance in Missouri?

    Anyone who provides a service or professional opinion—including consultants, accountants, nonprofit directors, and church administrators.

  • Is professional liability insurance required by law?

    Not always—but it may be required by contracts, licensing boards, or clients. We’ll help you review your requirements.

  • Does E&O insurance cover employee mistakes?

    Yes, if they’re acting within the scope of their job. Your policy can cover you and your team.

  • How much E&O coverage do I need?

    It depends on your industry and risk. We’ll help you evaluate limits based on your exposure and client base.