Are You Properly Covered for Employee Mistakes?

What General Liability Covers

Covers bodily injury and property damage—but not professional mistakes.

What Is E&O Insurance?

Protects against financial loss due to errors, omissions, or negligence.

Does general liability cover employee negligence?

No, not if it results in financial loss rather than physical damage.

Who needs E&O insurance?

Any business providing services, advice or expertise.

Is E&O required in NJ?

It’s not always required, but strongly recommended depending on your industry.

Related Coverage to Consider

• Cyber liability insurance
• Commercial umbrella policies
• Professional liability

The Bottom Line

Coverage gaps are one of the biggest risks for growing businesses.

Not sure if your business is properly protected? Reach out to our experts for a full review.
The Secret Insurance Agency will help identify gaps before they become costly problems.

973-812-7327 | thesecretinsuranceagency.com | Totowa, NJ