What E&O insurance actually costs in 2026.
Sourced rates from 8 vendors. 3 live-verified (NEXT Insurance from $19/mo cheapest published), 2 industry-reported (vendor page blocked), 3 quote-only. By industry benchmarks below. No broker affiliate revenue.
Published rates, ranked by entry cost
Entry monthly + book average annual + coverage limits. Quote-only vendors at the bottom — no published rate exists.
| Insurer | From $/mo | Book avg $/mo | Range $/yr | Limits | Status |
|---|---|---|---|---|---|
| NEXT Insurance | $19 | $25 | $228-1,200 | $0.3M-$2M | live verified |
| Hiscox | $22.5 | — | $270-? | $0.3M-$2M | industry reported |
| Insureon | $33 | $88 | $400-7,000 | $0.3M-$5M | live verified |
| Thimble | $36 | $45 | $432-1,800 | $1M-$2M | live verified |
| The Hartford | $76 | $76 | $912-1,560 | $0.3M-$2M | industry reported |
| Embroker | Quote | — | — | $1M-$5M | quote only |
| Vouch | Quote | — | $2,000-4,000 | $1M-$5M | quote only |
| Coalition | Quote | — | — | $1M-$10M | quote only |
Verified 2026-06-03. NEXT and Thimble pages live-fetched; Hiscox and Hartford pages returned 403/timeout (figures from indexed marketing snippets); Embroker / Vouch / Coalition genuinely quote-only.
What different professions pay
Annual premium ranges by profession. Physician malpractice is a separate product from allied healthcare E&O; we split them.
Most "E&O insurance cost" results are broker funnels
Search "professional liability insurance cost" and the top results are broker-aggregators (Insureon, Embroker, Vouch) and carrier marketing pages — each designed to capture you in a quote-request flow rather than answer the question directly. The actual range of published rates spans 4× (NEXT's $19/mo to Hartford's $76/mo average).
eoinsurancecost.com is the independent reference. Eight vendors with explicit honesty signals per row. Industry-specific benchmarks. No broker affiliate revenue. Not insurance advice — consult a licensed broker before binding coverage.
The "Coalition $67/mo" figure is industry-wide, not Coalition-specific
The $67/month figure widely cited alongside Coalition is the industry-wide tech E&O median, not Coalition's own published rate. Coalition is fully broker-driven and does not publish indicative rates. If a guide attributes a specific rate to a quote-only carrier, treat with skepticism.