Professional Liability /
Errors & Omissions (E&O):
Because even good intentions need protection
Your nonprofit’s work makes a difference every day—but when you provide advice, services, or professional guidance, even a simple mistake can lead to a claim. Errors & Omissions Insurance (E&O), also known as Professional Liability Insurance, helps protect your organization, staff, and board from allegations of negligence, errors, or failure to deliver services as promised.
At NonProfit Insuror South, we specialize in helping human service organizations and nonprofits manage this unique exposure—so you can focus on helping others, not defending a lawsuit.
What E&O Insurance covers
E&O coverage provides financial protection if your nonprofit, employees, or volunteers are accused of making an error or omission in the professional services you provide.
This coverage protects both your organization and your staff when providing professional or administrative services to clients, families, or communities.
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Allegations of negligence or mistakes in service delivery
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Failure to provide promised services or meet contractual obligations
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Errors in counseling, case management, or advice
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Breach of confidentiality or data handling mistakes
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Defamation or misrepresentation
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Defense costs and legal settlements, even if allegations are unfounded
Why nonprofits need E&O Insurance
Many nonprofits perform professional-level services without realizing the liability that comes with them. Even if your team acts with care and compassion, an error or miscommunication can spark legal action.
Common claim scenarios:
A counseling center is accused of providing improper advice.
A nonprofit fails to meet a contracted grant deliverable.
A staff member’s documentation error affects client eligibility or funding.
A case manager is accused of breaching client confidentiality.
Without E&O coverage, the cost of defending these claims could put your nonprofit’s mission—and finances—at risk.
Who needs this coverage
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Behavioral health & counseling centers
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Case management and advocacy programs
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Educational and training organizations
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Foster care and social service agencies
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Housing assistance and grant administration
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Career coaching and workforce development programs
- Faith-based service organizations
If your organization offers advice or guidance—even informally—you need E&O protection.
What’s included (and what’s not)
Included:
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Defense costs, judgments, and settlements
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Coverage for employees, volunteers, and board members
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Choice of attorney and claims management support
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Optional cyber and data privacy add-ons
Not included:
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Bodily injury or property damage (covered under General Liability)
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Employment-related claims (covered under EPLI)
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Intentional wrongdoing or criminal acts
Your NonProfit Insuror South advisor will ensure your D&O, E&O, and EPLI policies align seamlessly to eliminate gaps in protection.
Added benefits for nonprofits
E&O policies often come with additional risk management tools, such as:
Legal helplines for service-related questions
These resources help you strengthen your internal procedures and reduce the likelihood of future claims.
How NonProfit Insuror South helps
We understand the nonprofit world—and the responsibilities that come with serving vulnerable populations.
We’ll also help ensure that your contracts and funder agreements meet the required insurance standards.
Protect your reputation. Protect your mission.
Even small mistakes can have big consequences.
With Errors & Omissions Insurance from NonProfit Insuror South, your nonprofit gains the protection it needs to continue making a difference—confidently and responsibly.
