What is E&O?
Professional liability insurance, often called errors and omissions insurance, can respond when a client alleges that professional advice or services contained an error, omission, misrepresentation or failure that caused financial loss.
什麼是 E&O？
專業責任保險通常稱為錯誤與遺漏保險。當客戶指稱專業建議或服務中存在錯誤、遺漏、失實陳述或未履行責任，並因此造成經濟損失時，此類保險可能提供保障。
Who may need it?
Consultants, technology providers, designers, agencies and many other service professionals may face contractual or client-driven requirements for E&O. The correct policy depends on the exact services and contracts involved.
哪些行業可能需要？
顧問、科技服務商、設計師、代理機構及許多專業服務人士，可能因合同或客戶要求而需要 E&O。適合的保單取決於實際提供的服務和相關合同。
Claims-made considerations
Many E&O policies are written on a claims-made basis. The reporting date, retroactive date and continuity of coverage can be important. Do not cancel or replace a policy without discussing those dates and any known circumstances with a qualified broker.
索賠提出制的重要性
許多 E&O 保單採用“索賠提出制”。報案日期、追溯日期及保障連續性可能非常重要。在取消或更換保單前，應與合資格保險經紀討論這些日期及任何已知情況。