Errors or omissions
We assess claims that might arise from a failure in the declared professional service. An accurate activity description is the starting point.
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E&O · Professional liability
The service you provide matters. So does the responsibility that comes with it. We review your work, contracts and potential claims for professional errors or omissions.
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Understand your protection.
Professional liability, also called E&O, is assessed around the service delivered and the harm a client might allege. Occupation alone does not determine the right policy. Mint reviews the scope of work, deliverables and client countries to seek a specific, understandable proposal.
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01Service and defence 01 / 03Your expertise. Your responsibility.
Professional defence
We request details of defence costs and damages addressed by the offer and review their relationship to the requested limit.
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02Activities and contracts 02 / 03What you commit to deliver.
Contracts and deliverables
We review promised deliverables, contractual responsibilities and limits required by clients. Each service deserves its own assessment.
Technical or advisory activity
We describe projects, advice, technology or other professional functions for assessment rather than assuming one generic policy fits every discipline.
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03People and continuity 03 / 03Your team and your clients.
People and organization
We identify who provides the service and for which entity. Teams, independent professionals and subcontracted work require an organized declaration.
Clients and continuity
We review territories, previous policies and relevant dates before comparing proposals, helping assess the program against your actual service history.
The profession, declared service and issued proposal determine the scope we assess with you.
Define the service to assess its liability.
“Consulting” or “services” alone is insufficient. We review actual work, deliverables and responsibilities to clients. Technical projects, technology services and medical practice have different processes and consequences. We submit that profile and request explicit identification of the activities accepted by the insurer.
We compare contractual limits, countries and treatment of claims and defence. Existing insurance and service history form part of the discussion. Assessment is case-specific: conditions for one profession should not be presented as a promise for every other discipline.
Start with your situation
What we review together.
These details help us ask the right questions and compare like with like. We can start with a conversation and help you organize the documents.
- Description of services, professions and team experience.
- Revenue, contracts, key projects and client locations.
- Previous claims, current policy and required contractual limits.
How Mint helps
We take time to understand what you need, present the details to insurers and compare proposals with you. Before you choose, we explain the cover, limits and cost. Then we stay by your side for changes, claims and renewals, with a team you can talk to.
Talk to an adviserBefore you decide.
Is it the same as premises liability?
No. Professional service exposure is assessed separately from injury or damage arising from premises operations. We can review both needs within your program.
Which policy is right for my profession?
We start with the work you do and the contracts you sign. We present those details for assessment and explain which activities each proposal covers, since needs vary by profession.
Can you review a contract requiring E&O?
Yes. Share the service, contract and requested limits; we submit them for assessment and compare requirements with the offer.
Can my clients be outside Panama?
We assess this from the application, identifying countries, jurisdictions and activities to request explicit confirmation of international scope.
Let’s design
your coverage.
Tell us about E&O · Professional liability. Our team will help with the next step.
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