Business structuring such as LLC isn't a protection against errors and omissions, neither is a clause in contract. Errors and omissions is like malpractice and actually in some areas that's what it's called and why people can't find the coverage. Some companies also refer to it as qui tam insurance. I got discount through Liberty Mutual (bundle!) Home, Auto, business insurance and business liability (E/O). I got 2 mil coverage, recommended is at least 1 mil.