Errors & Omissions Insurance San Antonio, TX | David Ison Insurance

San Antonio, Texas E & O Insurance

Errors & Omissions Insurance in San Antonio, Texas

Proudly serving San Antonio businesses since 1978.

If your business provides advice, services, or professional expertise, you face a different type of risk—being held responsible for a mistake, oversight, or failure to deliver expected results.

At David Ison Insurance, we’ve been helping San Antonio professionals protect their businesses for over four decades. Whether you’re a consultant, broker, or service provider, we understand the exposures you face every day.

Even if you do everything right, clients can still file claims—and defending those claims can be expensive.

Call 210.490.1494 for a fast, no-hassle quote.

What Is Errors & Omissions Insurance?

Errors & Omissions (E&O) insurance—also known as professional liability insurance—protects your business from claims related to:

  • Mistakes
  • Negligence
  • Failure to perform services
  • Inaccurate advice

Here’s what that looks like in real life:

  • A client claims your advice caused financial loss
  • You miss a deadline that impacts a project
  • A service error leads to damages
  • A misunderstanding results in a lawsuit

E&O insurance typically covers:

  • Legal defense costs
  • Settlements and judgments
  • Claims related to professional services

 Even unfounded claims can cost thousands to defend.

Why E&O Insurance Matters in San Antonio

San Antonio’s growing business environment means more contracts, more clients, and more exposure to liability.

Common risks include:

  • Miscommunication with clients
  • Contract disputes
  • Service errors or delays
  • Financial loss claims

Here’s the reality:

  • Legal defense alone can cost $10,000–$50,000+
  • Larger claims can exceed six figures
  • Even small disputes can escalate quickly

 Without E&O insurance, your business pays these costs out of pocket.

Who Needs Errors & Omissions Insurance?

We work with a wide range of professionals, including:

  • Insurance agents
  • Real estate professionals
  • Consultants
  • IT professionals
  • Marketing agencies
  • Financial advisors
  • Contractors providing design or consulting services
  • Any business offering professional advice or services

 If your business gives advice or provides a service, you likely need E&O coverage.

What E&O Insurance Covers

Professional Mistakes or Negligence

Example: A client claims your advice resulted in financial loss.

Failure to Deliver Services

Example: A missed deadline leads to damages for your client.

Misrepresentation or Inaccurate Advice

Example: Incorrect information leads to a financial or business loss.

Legal Defense Costs

Covers attorney fees, court costs, and settlements—even if you’re not at fault.

What’s NOT Covered

Most E&O policies do NOT cover:

  • Bodily injury or property damage (that’s general liability)
  • Intentional wrongdoing
  • Fraudulent acts
  • Employee injuries

 E&O is designed specifically for professional liability risks.

Claims-Made Coverage (Important)

Most E&O policies are claims-made, meaning:

  • The policy must be active when the claim is made
  • Continuous coverage is critical
  • Gaps in coverage can leave you exposed

We’ll help you understand retroactive dates and avoid coverage gaps.

How Much Does E&O Insurance Cost?

Pricing depends on:

  • Type of profession
  • Revenue
  • Risk exposure
  • Claims history
  • Coverage limits

Typical range:

  • Small businesses: a few hundred to a few thousand per year
  • Higher-risk professions: higher premiums

Coverage Limits

Common structures include:

  • $1,000,000 per claim
  • $1,000,000 aggregate

Higher limits may be required depending on contracts.

Why Choose David Ison Insurance?

We’ve been serving San Antonio since 1978.

We understand professional risks and how to properly structure E&O coverage.

When you work with us, you get:

  • Local expertise
  • Access to multiple carriers
  • Customized coverage options
  • Fast, responsive service
  • A team that understands your business

We’re not a call center—we’re right here in San Antonio.

Real Results for Real Businesses

Case Study #1: Client Lawsuit — Consultant
Client alleged financial loss due to advice. Legal defense and settlement covered.

Case Study #2: Missed Deadline — Service Provider
Project delay resulted in claim. Coverage handled legal costs.

Case Study #3: Miscommunication Claim — Professional Service Firm
Client dispute escalated to lawsuit. Defense costs covered.

Case Study #4: Coverage Gap Fixed — Small Business
Previous policy had a lapse. We corrected it and protected future claims.

Serving San Antonio and Surrounding Areas

San Antonio
Castle Hills
Bulverde
Timberwood Park
Hollywood Park
Boerne
Leon Valley
Alamo Heights
Schertz
Stone Oak
Cibolo
Universal City
Converse
Selma
Live Oak

Get an Errors & Omissions Insurance Quote Today

If your business provides professional services or advice, E&O insurance is essential protection.

At David Ison Insurance, we make it simple to get the right coverage in place—without confusion or gaps.

Call 210.490.1494 or request a quote today.

We’ve been protecting San Antonio businesses since 1978. Let us help protect yours.