Errors & omissions (E&O) is a type of insurance coverage designed to cover for human failures. Rather than other coverages which are designed primarily to protect you and your business or organization from outside forces, like weather and theft, E&O coverage makes sure that mistakes you or your team make which adversely impact your clients are covered for. For example, if an event-oriented company, like an ice sculpture service, had an error in their contract and mistook the delivery time of a sculpture, properly-configured E&O coverage could refund the client.