Professional liability insurance in South Carolina for the work you stand behind

Coverage That Defends Your Expertise

Professional liability (E&O) coverage for service businesses
When your work is advice, design, code, or representation, mistakes—real or alleged—can lead to costly claims. Professional liability insurance (also called E&O) helps South Carolina firms in Greenville, Anderson, Spartanburg, Taylors, and Powdersville cover defense costs and damages tied to errors, omissions, or missed deadlines. The Sullivan Agency pairs consultative guidance with carrier options to align coverage with client contracts and project scope—so your focus stays on results, not lawsuits. If you also greet clients at your office, round out your base protection with general liability insurance for slip-and-fall and premises risks.

What E&O Typically Covers

From bad advice allegations to missed deliverables

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Legal defense (attorneys, expert witnesses, court costs)

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Settlements or judgments for covered claims of negligence, error, or omission

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Work product disputes, misstatements, and certain breach-of-duty allegations

E&O can be written for consultants, real estate professionals, architects/engineers, accountants, technology firms, marketing agencies, and more. If your builds include design or professional services, consider pairing E&O with your contractor insurance program. For larger exposures or contract requirements, add commercial umbrella insurance to increase total limits across policies.

Limits, Deductibles, and Retro Dates

Nail the details before you sign the contract

We’ll help you select per-claim and aggregate limits (often $1M/$2M or higher), choose a deductible your cash flow can handle, and set the retroactive date to include past work where needed. The Sullivan Agency reviews indemnification language, additional insured requests, and proof of insurance turnarounds—so certificates don’t hold up kickoff.

Questions South Carolina pros ask

  • Doesn’t my GL cover mistakes in my work?

    No—GL addresses bodily injury or property damage. E&O covers financial loss from your services. Many firms carry both.

  • How much E&O should I buy?

    Start with your largest contract requirement and potential worst-case loss. We’ll model limits and show how an umbrella can extend them.

  • Are defense costs inside or outside the limit?

    It depends on the form. We’ll prioritize options where defense is outside the limit when available.