Professional Liability & E&O Insurance in Manitoba
Professional liability or errors-and-omissions insurance addresses claims arising from professional services, advice, errors or omissions. It solves a different problem from CGL and can be required by clients or professional regulators.
Key points
Use this as research context and confirm the current rule, contract and policy wording for the specific business.
Use this as research context and confirm the current rule, contract and policy wording for the specific business.
Use this as research context and confirm the current rule, contract and policy wording for the specific business.
Use this as research context and confirm the current rule, contract and policy wording for the specific business.
Financial-loss claims can arise without physical damage
A consulting error, professional recommendation or technology implementation problem can create a client loss even when nobody is injured and no physical property is damaged. Professional liability is designed around that different risk.
Profession rules and client contracts are separate layers
Some regulated Manitoba professions can face regulator-specific insurance requirements while other consultants encounter contractual requirements from customers. The analysis should begin with the actual service and profession.
Claims-made wording can matter
Many professional liability policies use claims-made triggers. Retroactive dates, continuous coverage and reporting periods can therefore matter as much as the headline liability limit.
Verify the current Manitoba guidance
Commercial insurance products and statutory requirements can change. Start with the source below and then compare it with the business's actual operation, contracts and policy documents.
Insurance Bureau of Canada — Types of business insurance coverage →