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Professional Insurance

What is Professional Liability Insurance?

Professional liability insurance also known as Errors and Omissions (E&O) is protection for your business from claims of negligence related to a professional service.

Risks Covered by Professional Liability Insurance

Small businesses that provide professional services or give advice to clients should consider purchasing professional liability insurance. It provides protection when a business owner is sued for negligence because their work doesn't meet a client's expectations.


Professional liability insurance can also be required by a small business' clients when entering into a contract.


Businesses that often choose professional liability insurance include:

  • Doctors

  • Dentists

  • Medical Professionals

  • Consultants

  • Attorneys

  • Engineers

  • Architects

  • Counselors

  • Accountants

  • Real estate agents

  • Title Agents

  • Home Inspectors

  • Management Consultants

  • Collection Agencies

  • Property Consultants

  • Mortgage Brokers

  • Accountants

  • Insurance Agents



Types of coverage


Professional liability insurance offers a variety of coverage for small businesses including:

  • Alleged or actual negligence - Protects a business against actual or alleged errors and omissions when providing professional services, such as giving incorrect advice, an omission, or failing to deliver a service.

  • Defense costs - Provides legal defense when a covered claim is reported.


Professional liability insurance can also offer coverage for claims arising from services provided in the past and work performed anywhere in the world. It's important to understand that a general liability policy won’t protect against these risks. 


Contact us to learn more about the right E&O insurance policy for you.

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