Which of the following would typically be covered under Errors and Omissions Insurance?

Errors and Omissions Insurance (E&O Insurance) is specifically designed to protect professionals, including real estate agents, from claims arising out of mistakes or negligence in the services they provide. This type of insurance typically covers claims that result from acts of omission, errors in judgment, or failures to perform as expected in a professional capacity.

In the context of real estate, this could involve situations where a client claims that the agent failed to disclose important information, made an error in a property listing, or provided poor advice that led to financial losses. Such negligence is directly related to the services and advice given by a professional, making it essential for a real estate salesperson to be covered by this type of insurance.

On the other hand, claims of theft are generally not covered under E&O since that pertains to criminal actions rather than mistakes in service. Similarly, property damage claims, while they can occur in real estate transactions, are often covered under general liability insurance rather than E&O. Worker injury claims would be covered under a worker's compensation policy, which deals with workplace injuries, not professional errors or omissions.

Thus, negligence claims are the central focus of Errors and Omissions Insurance, making it the most appropriate choice in this context.