Errors and Omissions (E&O)
Errors and Omissions (E&O) is professional liability insurance that protects businesses from claims of negligence, mistakes, or failure to perform professional services as promised.
What You Need to Know
Also called professional liability, E&O covers claims that your professional services caused financial harm to a client. For restaurants, this most commonly applies to catering operations where you failed to deliver as promised.
Why It Matters for Restaurant Owners
Standard restaurants rarely need E&O insurance, but catering operations do. If you contract to cater a wedding for 200 people and show up with food for 150, the client can sue for damages when they had to order emergency pizza.
E&O covers these failures to perform as contracted. If catering represents significant revenue, add this coverage to protect against operational mistakes that cause client financial losses.
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