Which professional is typically NOT covered by Errors and Omissions insurance?

Errors and Omissions (E&O) insurance is designed to protect professionals from claims arising from negligent acts, errors, or omissions that occur in the course of providing their professional services. This type of insurance is commonly used by those in fields that provide advice or services to clients, where mistakes can lead to significant financial loss for those clients.

Pharmacists, while certainly responsible for ensuring the accuracy of prescriptions and advising patients on medications, are typically covered under a different type of liability insurance. Their work falls under professional liability insurance or malpractice insurance, which specifically addresses issues related to healthcare and patient safety rather than the traditional professional advice and consultancy roles covered by E&O insurance.

In contrast, accountants, architects, and insurance brokers provide professional services where errors in judgment, advice, or execution could lead to financial loss for their clients, making them prime candidates for E&O insurance coverage. This distinction is crucial in understanding the types of liabilities that different professions face and the appropriate insurance products designed to protect against those specific risks.