Aon vs Nationwide: Professional Liability / E&O Insurance

Aon: professional liability as addressing professional-services firms’ liability exposure and says it tailors coverage structures to a firm’s needs. It identifies E&O as a commonly used name for professional-liability insurance; actual policy terms are not stated. Nationwide: offering professional errors omissions for the audience stated on the cited product page.

Sources reviewed

01
Professional Services Practice
Aon · Named professional-services audiences and global advisory role, lines 125–128; line offerings and explanations lines 131–190; contact link lines 120–122. Global practice page; no U.S. state or account-specific placement schedule. · accessed 2026-09-30
02
Professional Liability – US Direct Errors and Omissions Insurance
Hiscox Inc. specimen · About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act · accessed 2026-09-16
03
Professional liability insurance
Insurance Information Institute · Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion) · accessed 2026-09-16
04
Errors and Omissions Insurance
Nationwide · E&O page; professional-services liability and coverage overview. · accessed 2026-09-30
05
FAQ: Professional liability insurance
Texas Department of Insurance · What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies · accessed 2026-09-16
06
Get business insurance
U.S. Small Business Administration · Six common types of business insurance table · accessed 2026-09-16

What Are the Key Differences Between Aon and Nationwide Professional Liability (E&O) Insurance?

Advisory placement or agent route

Aon describes a Professional Services Practice for law, accounting and consulting firms; Nationwide directs prospective buyers to an agent or quote request. A firm seeking specialist placement advice can ask Aon about its practice, while Nationwide’s page points to an agent-led route. [1] [4]

Policy terms to compare

Nationwide describes E&O for claims alleging errors or omissions in professional services. Aon says it tailors professional-liability structures but its summary does not give policy terms. Compare the actual covered allegations, exclusions and limits in the proposals rather than treating either overview as policy wording. [1] [4]

Eligibility and quote details

Nationwide describes its audience as professionals and businesses providing services to others, with eligibility set by underwriting; Aon names law, accounting and consulting firms. If your occupation falls outside those examples, ask each market to confirm eligibility before preparing a full submission. [1] [4]

What Should You Confirm in Aon and Nationwide Professional Liability (E&O) Insurance Quotes?

Ask Aon to confirm the quoted policy form, retroactive date and covered allegations; its offering says professional liability as addressing professional-services firms’ liability exposure and says it tailors coverage structures to a firm’s needs. It identifies E&O as a commonly used name for professional-liability insurance; actual policy terms are not stated. [1]
Ask Nationwide to confirm the quoted policy form, retroactive date and covered allegations; its offering says offering professional errors omissions for the audience stated on the cited product page. [4]

Areas of coverage

Aon

role: Aon presents Professional Liability / E&O as a line its Professional Services Practice helps arrange or advise on for professional-service firms. Aon is describing a global brokerage and advisory service, not issuing the underlying policy. The producing legal entity and carrier for any particular placement are not named on this page. Aon’s global professional-services practice page. This establishes a marketed brokerage/advisory offering, not policy issuance or account-specific placement.company-reportedSource ↗
eligibility: Aon identifies law, accounting and consulting firms as the audience for its global Professional Services Practice. That audience scope does not establish eligibility for every firm or other business. Audience described for Aon’s global professional-services practice. It does not establish U.S. state availability or underwriting eligibility for a placement.company-reportedSource ↗
coverage: Aon describes professional liability as addressing professional-services firms’ liability exposure and says it tailors coverage structures to a firm’s needs. It identifies E&O as a commonly used name for professional-liability insurance; actual policy terms are not stated. Aon’s marketing description of the brokerage/coverage area. The page is not the insurer’s policy form and does not establish an insured's entitlement to coverage.company-reportedSource ↗
services: Aon says its professional-services advisors use industry knowledge, insights, data and tools to support risk-management and human-capital decisions. This is a company-described advisory service, not a claim outcome or policy benefit. Company-reported advisory services on Aon’s global practice page; account-specific service scope is not stated.company-reportedSource ↗
insurer: The reviewed practice page does not name the insurer or producing legal entity for a specific placement. Ask for both on the quote and binder. Aon’s global practice page as reviewed 2026-09-30; no state-specific placement schedule or buyer quote was reviewed. This does not establish that Aon cannot arrange a placement.not-foundSource ↗
limits: The reviewed page does not state a buyer-specific limit, retention, deductible or other placement terms. Confirm these in the quote, bond or issued policy. Aon’s global practice page as reviewed 2026-09-30; no quote, bond form or issued policy was reviewed.not-disclosedSource ↗

Nationwide

role: Nationwide describes offering professional errors omissions for the audience stated on the cited product page. professional errors omissions marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
eligibility: Professionals and businesses providing services to others as described by Nationwide; exact eligible classes depend on underwriting. professional errors omissions marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
coverage: The cited product page describes E&O insurance for claims alleging errors or omissions in professional services, as described on Nationwide's product page. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. professional errors omissions marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
application: The page directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. professional errors omissions marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
limits: The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred.not-disclosedSource ↗