Errors and Omission (E&O) coverage is the insurance that covers your company, or you individually, in the event that a client holds you responsible for a service you provided, or negligently failed to provide, that did not have the expected or promised results. Within the medical field, it’s commonly referred to as malpractice insurance. For lawyers, accountants, architects or engineers, it may be called professional liability. It’s a common misconception though that only Doctors and Lawyers need E&O. What happens if a wedding planner books the event on the wrong day? Who is going to pay if a freight forwarder sends a shipment to London, KY instead of London, England?
The term “Professional Insurance” is more commonly referred to as Malpractice Insurance or Errors & Omissions. The need for Professional Insurance is no longer limited to Doctors, Lawyers and Insurance Agents. The Foster Sullivan Group works closely with professionals, technology companies, start-ups and design professionals to understand the type of work being performed and the advice given to clients, to assess the true nature of the Professional Liability exposure.
Not only does the Foster Sullivan Group have access to all national and global markets for the insurance part of your Professional Liability exposure, but with on-staff counsel, licensed insurance advisors, coverage and claim specialists, and designated industry account managers, we have the capabilities and expertise to give advice and counsel on your overall risk management profile: when to insure; when to retain risk (deductibles); when to invest in loss avoidance and loss mitigation.
Our expert staff will work closely with you to understand your specific challenges, develop risk control programs that have an impact, and then design a ‘narrative’ for the insurance marketplace about your exposure that will have the insurers competing for your business. We will work with you throughout the year, year over year, to review, forecast and reduce your overall cost of risk and make sure your program is affordably responding to your changing needs.
You have worked hard to develop your business and have much at stake in its success. Make sure you engage true professionals to properly protect your capital from risk. The Foster Sullivan Group – Protecting Your Business, Protecting Your Future.
This material does not amend, or otherwise affect, the provisions or coverages of any insurance policy or bond issued through Foster Sullivan Insurance Group, LLC or its carrier partners. It is not a representation that coverage does or does not exist for any particular claim or loss under any such policy or bond. Coverage depends on the facts and circumstances involved in the claim or loss, all applicable policy or bond provisions, and any applicable law. Availability of coverage referenced in this website can depend on underwriting qualifications and state regulations.
Foster Sullivan Insurance – Protecting Your Future

Who Our Clients Are...
Foster Sullivan business clients are small to mid-sized, privately held companies who would rather focus on revenue generating activities than they would insurance related issues. They surround themselves with trusted advisors who assist them in ensuring the safety and well-being of their employees, their clients and their property.
Read More


Business Owner Concerns...
Foster Sullivan has a team of proactive, responsive, accessible account managers and agents who know you, your business and your industry. We couple that with a specific, continuous service program throughout the policy year.
Foster Sullivan has deep claims and litigation expertise within the agency, allowing for significant impact on claims handling. We put that expertise to use for our clients’ benefit in an effort to favorably impact their long-term premiums.
Foster Sullivan’s account management and account executive experts, aligned in industry-specialized teams, are actively engaged in industry forums, associations and groups, while getting to know a client’s specific business and personnel.
Foster Sullivan employees encompass a broad and deep expertise that includes legal, insurance and business experts, all brought to bear for a comprehensive approach to managing your risk in a professional, advisory and consultative manner. Continuing education and self-improvement is a vital part of the Foster Sullivan culture.