The best-known professionals who need E&O insurance are doctors, lawyers, Accountants, architects, engineers, etc. However, less thought about individuals range from advertising agencies to commercial printers, Web Hosting companies to wedding planners. If you are in the business of providing a service to your client for a fee, you have an E&O exposure. You may want to consider what will happen if the service is not done correctly or on time, and it costs your client money or harms their reputation.