Generally, pure breach-of-contract claims are excluded from E&O — they’re considered contractual liability, not professional negligence. However, the same set of facts often gives rise to both a breach-of-contract claim and a professional negligence claim (the client argues you failed to perform the contract AND that the failure was due to negligence). When the complaint pleads negligence alongside contract claims, E&O typically responds at least to the negligence portion — and to the defense of the whole action under “duty to defend” language. We review client contracts before placement to identify language that creates uninsurable exposure (uncapped indemnity, liquidated damages, warranty obligations) and recommend revisions.