PROINSURE (Professional liability insurance for media professionals including advertising agencies) What is Professional Liability? Often referred to as "errors & omissions" or "E & O" the risk is an allegation of negligence while rendering professional services, or failure to provide a proper level of professional services. A common misconception is that liability can be avoided simply by establishing a corporation or a limited liability company (LLC). Most professional liability claims are based on a personal service. While the contract may have been made with a corporation, a person provides the actual work or advice. The claim usually names both the entity and the individual(s) involved. Please Contact Us with more information so that we may send you the appropriate insurance application.