Sticks and stones

Errors & omissions (E&O) insurance is a strange class of business and everyone has a slightly different view of how it should be construed.

But perhaps the clearest definition of all comes from Peter Matson, chief executive of Novae Underwriting, who says: "E&O and professional indemnity (PI) are one and the same - the reason E&O is not PI is that you are insuring someone who offers advice as part of their job, but that is not their job."

This covers anyone from accident prevention consultants to

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