I'm a new reporter, and one of the firms I'll be working for was telling me that they prefer their reporters to carry both E&O insurance and liability insurance. At first I was under the impression that they were two different kinds of insurance, but after doing a little research they seem to be the same thing. The liability insurance offered by NCRA covers E&O so what's the difference? I must be missing something. Can someone clear this up for me because I seem to be getting no where with this on my own.