It happens more often than you’d think.
A busy medical practice double-books a patient procedure. A staff member files the wrong billing code. A test result sits in the chart a few days too long. Nobody meant any harm—but the patient files a claim anyway, alleging negligence and financial loss. Suddenly, the practice is facing legal bills, damaged trust, and sleepless nights.
We’ve seen versions of this story unfold before. Every healthcare practice—no matter how careful— faces risk in the details. And that’s why Errors & Omissions (E&O) Insurance, also known as Professional Liability Insurance, is so essential. It protects not just your business, but the relationships you’ve built with the patients and partners who depend on you.
What E&O Insurance Really Covers
Our clients often tell us they’re unclear about what E&O actually does.
Put simply, it protects your organization when a client—or in this case, a patient—claims that your advice, service, or administrative process caused financial harm. It helps cover legal defense, settlements, or judgments tied to professional mistakes or oversights.
While general liability coverage handles things like slips, falls, or property damage, E&O protects against errors in judgment or performance. In healthcare, that distinction matters.
Why It Matters
When we meet with physicians and practice managers, one of the biggest misconceptions we hear is, “We already have malpractice coverage—aren’t we covered?” Malpractice policies typically address clinical risk, but they may not cover administrative or operational errors. E&O coverage fills those gaps, protecting against issues like billing disputes, data errors, or miscommunication. Even the best-run offices make mistakes. What defines your practice is how well it’s prepared to recover.
The Unity Difference
Our team has helped countless companies like yours navigate these complex risks. We know the language, the processes, and the partnerships that keep organizations running smoothly. We also know that the right protection starts with a conversation—not a quote.
Let’s review your current coverage together and make sure one simple mistake doesn’t become a major setback. Because at Unity Insurance, we believe your peace of mind should be as reliable as the care you provide.