Which professional liability are producers sued for mistakes in issuing a policy?

• A. Professional liability
• B. Errors and Omissions
• C. Misrepresentation
• D. Fiduciary liability

Answer: (B)

Errors and Omissions insurance covers professionals when mistakes in delivering their services lead to a claim. For an insurance producer, errors in issuing a policy—such as including the wrong coverage, omitting needed endorsements, or misinterpreting a client’s needs—can give rise to a professional negligence claim. This form of liability specifically protects against those mistakes in the policy issuance process, including defense costs and settlements. The other terms are less fitting here: general professional liability is a broad label, misrepresentation refers to giving false or misleading information, and fiduciary liability deals with mishandling someone’s funds or entrusted assets, not errors in issuing a policy.