Professional Liability

Professional liability coverage is designed to help defend business owners if they're accused of making a mistake.  This coverage is often referred to as "errors and omissions insurance".

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What is Professional Liability insurance?

Professional liability insurance can help protect your business if you are accused making a professional mistake or negligence.

A client or customer can file a lawsuit against you if they think you did something to cause a financial loss. If you have a professional liability insurance policy, you could get financial help to defend your business or fix the mistake.

Professional liability is common coverage for professional services, such as accountants, consultants and real estate professionals.

However, many different types of businesses also buy this type of business insurance.

It is sometimes known as errors & omissions insurance or professional indemnity insurance.

Why is Professional Liability important?

Professional liability can help you resolve the issue quickly, avoiding customer confrontations and protecting your reputation if a customer claims you made a mistake — whether you did or not.

Your coverage can help you pay for expenses if you’re at fault for a mistake or professional negligence. It can also help pay for defense costs if you're falsely accused.

What does Professional Liability insurance cover?

There are two core areas where professional liability can help protect a small business from unexpected costs:

Your business mistakes
You can follow all the rules, do everything right and still make a mistake — it happens to almost everyone.

Professional liability insurance can help protect you from paying entirely out-of-pocket if you or your employees are accused of making a mistake that causes financial harm to another person or business.

Business Categories - Professional Liability

This is not a comprehensive list.  If you don't see your specific business below, please still begin your quote - there are over 1300 business categories available.

Architects and Engineers

  • Architect
  • Engineer
  • Interior Designer

Arts and Entertainment

  • Music Production Services
  • Video and Film Production
  • Music Entertainment

Financial Services

  • Accountant

Insurance Professionals

  • Claims Adjuster
  • Insurance Agent
  • Insurance Appraisers
  • Insurance Inspector

Real Estate Services

  • Home Inspectors
  • Property Manager
  • Real Estate Agent
  • Real Estate Appraisal
  • Real Estate Brokers

Coverage Options

General Liability

Most small businesses need this coverage. It guards against things like bodily injury, property damage, completed operations and advertising injury that arise from your business.

Professional Liability (E&O)

Coverage for business mistakes and accusations of negligence

Business Owners Policy (BOP)

This coverage packages liability and property coverage into one policy. Common for small businesses with commercial buildings or personal property.

Workers' Compensation

This protects you and your employees. It helps pay for things like medical costs and lost wages of employees who become injured or ill on the job.

Commercial Auto

If you use your vehicles for your business, you probably need this coverage. This can include traveling between job sites, making deliveries, or transporting tools and equipment.

Tools and Equipment

From power tools to safety supplies, if it’s essential to your work, it’s essential to protect it.

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