If you are providing a service to clients and charge a fee for that service, then you need an E&O policy.  Errors and Omissions insurance is customized to the needs of the industry the service is provided in.

Various factors help to determine the cost of an E&O policy.  Including business location, total employees, industry, and coverage limits needed.

As the business owner, you, your employees, and subcontractors will be covered.  Additionally, costs from the claim, judgments, and/or attorney fees will also be covered in your errors and omissions policy.