Consumer's Guide to Commercial Liability Insurance (PI-045)
Published by Wisconsin Office of the Commissioner of Insurance. Jurisdiction WI.
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Errors and Omissions coverage, also known as professional liability, is available for numerous types of professionals, and the coverage protects professional people or organizations from claims arising from failing to render professional services to their clients as expected of a person in their profession.
claim wi-oci-pi-045-commercial-liability-guide#c1A policy written on an occurrence basis covers losses that arise from incidents occurring during the policy term, while a policy written on a claims-made basis covers losses that arise from incidents occurring during the policy term but only if the claim is made during the policy term.
claim wi-oci-pi-045-commercial-liability-guide#c2Product coverage is to protect against losses arising out of the manufacturing, selling, handling, or distribution of a product, and completed operations coverage protects against claims arising out of services performed by a business, such as a building contractor.
claim wi-oci-pi-045-commercial-liability-guide#c3The guide advises commercial buyers to know if their policy is written on an occurrence or claims-made basis.
claim wi-oci-pi-045-commercial-liability-guide#c4
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Reviewer notes
PDF retrieved and text extracted with pdftotext on 2026-08-31. Every page footer reads PI-045 (R 08/2026), so this is a newer edition than the R 12/2024 printing; publishedDate records the month and year the document itself prints, not a day. The guide's claims-made description is simplified and does not discuss retroactive dates, so it is not relied on for retroactive date mechanics. Published: 2026-08