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Professional Liability insurance, also known as Errors and Omissions or E&O, protects all businesses, including trucking and logistics, from claims alleging financial loss caused by mistakes, negligence, or failure to perform professional services as promised.
Cogo Insurance places Professional Liability E&O coverage for, among others, trucking companies, freight brokers, dispatch services, and logistics firms across the United States. This coverage is critical when your work involves contracts, coordination, instructions, or advice that others rely on.
Many trucking related businesses provide services, not just transportation. When a mistake causes a financial loss, Auto Liability and General Liability do not respond.
Professional Liability helps protect against claims involving:
These claims often involve large dollar amounts even when no one is injured and no property is damaged.
Professional Liability responds to claims alleging economic loss caused by errors, omissions, or negligent professional services.
Typical coverage includes:
Coverage is triggered by claims, not accidents.
Professional Liability is commonly needed by:
If your business makes decisions or provides services that affect someone else’s financial outcome, E&O exposure exists.
Professional Liability does not replace other policies.
It does not cover:
Those exposures are addressed by Auto Liability, Cargo, General Liability, or Crime coverage.
Limits depend on business type and contracts.
Common limits include:
Cogo Insurance helps select limits based on real exposure and contract language.
Pricing is influenced by:
Clear procedures and documentation reduce risk and improve terms.
Many trucking and logistics businesses assume General Liability covers professional mistakes. It does not.
We frequently see:
Cogo Insurance structures E&O coverage correctly from the start.
We understand how trucking services actually work.
Professional Liability protects your reputation and your balance sheet.
No. General Liability covers bodily injury and property damage. Professional Liability covers financial loss caused by professional mistakes.
Many brokers are contractually required to carry E&O coverage by shippers or partners.
It can, depending on policy wording and endorsements.
Yes. Most E&O policies are claims-made, meaning continuous coverage is critical.
Yes. Claims caused by employees performing professional services are typically covered.
Yes. We review broker, shipper, and vendor contracts to confirm proper Professional Liability coverage.
