May 22, 2024

Professional Liability / E & O Insurance


What is Professional Liability Insurance?

Barragan Insurance Agency offers Professional Liability Insurance.  Professional Liability Insurance or Errors and Omission Insurance (E&O Insurance) covers individuals who provide professional services, such as physicians and lawyers, from losses they incur as a result of being held responsible for the losses of their clients. This could result from claims of malpractice, error, or mistake committed or alleged committed by the insured in his professional capacity.

Errors & Omissions or E & O  insurance protects you the professional should you make an innocent mistake  or false claims against you. Errors and Omissions also provides protection for your clients. Coverage will protect personal assets and helps to maintain a good reputation through the defense of allegations of wrongdoing which might be false or frivolous.

Professional liability insurance will ensure sufficient funds are available to make amends for the wrong that has been done to a client who has suffered damages through the actions of a professional. A professional liability policy covers errors, omissions or negligent acts which arise from the usual or normal duties carried out by the insured.

When the professional is an employee of a firm, the firm, as the employer, is responsible for the actions of the employee. However, a court of law may find a professional personally responsible for an incident that occurred due to an error, omission or negligent act committed by the professional as an individual.


What professions have  Professional Liability available to them?

Professional liability is available for Real Estate Brokers and Agents,  CPA’s / Accountants, Bookkeepers, Attorneys, Doctors, Dentists, Technology companies, Architects & Engineers (Design Professionals), and various other miscellaneous companies.


Professional Liability for Real Estate Brokers and Agents

Barragan Insurance Agency provides professional liability for real estate agents and brokers. Barragan Insurance Agency can provide you with the best coverage at  the best rates available.

Real Estate Brokers and agents professional liability insurance sometimes called errors and omissions or E & O insurance, is available from Barragan Insurance Agency. Pricing varies depending on the type of professional operation, the services provided, the account’s size, location, and the percentage of commercial property and the location can have a significant impact on pricing.

Please use the short form if you can answer “True” to all 7 questions otherwise use the long form.




Specific coverage provisions are important for this coverage. Some professionals require coverage with special provisions to protect themselves from unique claims arising from their specialized services, such as consulting services. Get a Free Architect & Engineering E & O quote.


Professional Liability for CPA’s, Accountants, Bookkeepers

Download Professional Liability applications for :



Professional Liability for Attorney’s / Law Firms


Download Professional Liability applications for :





What is Technology Insurance?

Barragan Insurance Agency offers Technology Insurance.  Today’s world is driven by technology.  More and more companies are increasingly being put at risk for various technology issues. Technology companies face a number of different exposures from faulty 


Technology Companies

Barragan Insurance Agency provides professional liability insurance for Technology companies. Technology companies require coverage that adapts to the ever changing legal needs and provides coverage for operations and products that span international borders. Technology insurance is designed to do just that. The package includes E&O and Business Owners Policy (BOP) coverage together to offer maximum protection for tech companies. Our target market includes small one man operations all the way to large, multi-location companies.

Download a Technology application



Architects & Engineers  E & O

Barragan Insurance Agency provides professional liability for Architects & Engineers. An A & E professional liability policy is designed to target the key exposures for architects and engineers. The coverage includes a Business Owners Policy (BOP) alongside the E & O, providing no gaps or overlaps in coverage. The General Liability component provides comprehensive coverage including products and completed operations, tenants legal, employee benefits, non-owned and hired auto and medical expenses.

Get a Free Architect & Engineering E & O quote.



Return the form to us: or fax to 916-984-8013

Mortgage Field Services Inspection E & O 

Errors & Omissions insurance for mortgage field service inspections of homes for mortgage companies, banks, and insurance companies.  We provide low cost  E & O coverage for contractors, subcontractors and independent field reps.
Call 916-984-9320 for a free quote or



Miscellaneous E & O

Barragan Insurance Agency provides professional liability for coverage for a variety of business classes. Coverage is written through an A rated non-admitted carriers and can combine E & O with a BOP to offer comprehensive coverage. We offer competitive premiums and generate quotes for our clients usually in 24-48hrs.


Download the Miscellaneous E & O application



Return the completed form to us: or fax it to 916-984-8013

Should you have any questions, please phone us at 916-984-9320.  You may also send us an mail to:


Barragan Insurance Agency

1132 Suncast Lane Ste 8

El Dorado Hills, 95762

Phone: 916-984-9320

Fax: 916-984-8013


Errors & Omissions Insurance Center for Sacramento and the Northern California region including Folsom, Elk Grove, Rancho Cordova, Carmichael, Antelope, North Highlands, Gold River, Fair Oaks, Woodland, Natomas, Sacramento, Anatolia, Kavala Ranch, Rocklin, Roseville, Lincoln, Loomis, Granite Bay, Galt, Natomas, Davis, West Sacramento, Citrus Heights, Orangevale, El Dorado Hills, Stockton, Modesto, Lodi, Merced, Tracy, Antioch, Dixon, Woodland, Fairfield, Vacaville, Vallejo, Marysville, Yuba City, Linda, Plumas Lakes, Chico, Bakersfield, San Jose, Campbell, Los Angeles, San Diego, San Francisco, Long Beach, Fresno, Oakland, Santa Ana, Anaheim, Placer County, Sacramento County, El Dorado County, Yolo County, San Joaquin County, Sutter County, Northern California, Central California, and Placer County, and other cities and counties within California.