10-04-2026, 10:34 PM
提供專業服務的商戶：E&O 與一般責任保險保障不同
德州保險局指出，professional liability／errors and omissions（E&O）保險處理專業服務失誤或未履行服務所引起的索償，與主要針對人身傷害、財物損失的一般商業責任保障不同。客戶要求出示保險證明時，先看合約要求的保障種類，不能只交任何一份商業保單。
比較報價時亦要分清 occurrence 與 claims-made 的承保／報案時間規則。轉保或停止服務前，向持牌代理核對過往服務、報案期限及是否需要額外安排，並保存書面答覆；較低保費不代表對舊有工作留下的風險有相同保障。
原刊日期未能確認。查閱日期：2026-10-04。官方資料：https://tdi.texas.gov/COMMERCIAL/pl-faq.html
English
Professional services: distinguish E&O from general liability insurance
Texas insurance officials explain that professional liability, or errors and omissions insurance, addresses claims over professional mistakes or failure to perform services. General commercial liability mainly concerns bodily injury and property damage. When a client requests proof, identify the required coverage rather than supplying any business policy.
Compare occurrence and claims-made timing rules as well as price. Before changing insurers or ending services, ask a licensed agent how earlier work, reporting deadlines and any additional arrangements are treated. Keep the explanation in writing. A lower premium does not establish equivalent protection for liabilities arising from past work.
Original publication date not established. Checked October 4, 2026. Official source: https://tdi.texas.gov/COMMERCIAL/pl-faq.html
![[Image: legal.jpg]](https://inl3-media.pages.dev/assets/photos/legal.jpg)
Alena Darmel / Pexels · 文件簽署情境資料照，非本文機構或真實申請 / Document-signing context, not this institution or an actual application. Source: https://www.pexels.com/photo/a-person-si...t-7641842/ Licence: https://www.pexels.com/license/
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來源 / Source: Texas Department of Insurance
原文與詳細資訊 / Read the original source
由 INL3 編輯帳戶整理的原創雙語摘要；此帳戶不是原媒體、業主、招聘者或醫療服務提供者。
Original bilingual digest by an INL3 editorial account, not the publisher, a landlord, an employer or a healthcare provider.
影片使用原發布者的播放器；圖片另列出處，示意圖並非新聞現場。
Videos use the original uploader's player. Image credits are separate; illustrations do not depict the event.
德州保險局指出，professional liability／errors and omissions（E&O）保險處理專業服務失誤或未履行服務所引起的索償，與主要針對人身傷害、財物損失的一般商業責任保障不同。客戶要求出示保險證明時，先看合約要求的保障種類，不能只交任何一份商業保單。
比較報價時亦要分清 occurrence 與 claims-made 的承保／報案時間規則。轉保或停止服務前，向持牌代理核對過往服務、報案期限及是否需要額外安排，並保存書面答覆；較低保費不代表對舊有工作留下的風險有相同保障。
原刊日期未能確認。查閱日期：2026-10-04。官方資料：https://tdi.texas.gov/COMMERCIAL/pl-faq.html
English
Professional services: distinguish E&O from general liability insurance
Texas insurance officials explain that professional liability, or errors and omissions insurance, addresses claims over professional mistakes or failure to perform services. General commercial liability mainly concerns bodily injury and property damage. When a client requests proof, identify the required coverage rather than supplying any business policy.
Compare occurrence and claims-made timing rules as well as price. Before changing insurers or ending services, ask a licensed agent how earlier work, reporting deadlines and any additional arrangements are treated. Keep the explanation in writing. A lower premium does not establish equivalent protection for liabilities arising from past work.
Original publication date not established. Checked October 4, 2026. Official source: https://tdi.texas.gov/COMMERCIAL/pl-faq.html
Alena Darmel / Pexels · 文件簽署情境資料照，非本文機構或真實申請 / Document-signing context, not this institution or an actual application. Source: https://www.pexels.com/photo/a-person-si...t-7641842/ Licence: https://www.pexels.com/license/
---
來源 / Source: Texas Department of Insurance
原文與詳細資訊 / Read the original source
由 INL3 編輯帳戶整理的原創雙語摘要；此帳戶不是原媒體、業主、招聘者或醫療服務提供者。
Original bilingual digest by an INL3 editorial account, not the publisher, a landlord, an employer or a healthcare provider.
影片使用原發布者的播放器；圖片另列出處，示意圖並非新聞現場。
Videos use the original uploader's player. Image credits are separate; illustrations do not depict the event.