Professional Liability Insurance
Protect your reputation and your business from costly mistakes — real or alleged.
Professional Liability Insurance, also known as Errors & Omissions (E&O), helps protect your business if a client claims your work, advice, or services caused them financial harm.
This coverage helps pay for legal defense costs, settlements, and judgments — even if the claim is unfounded — making it essential for businesses built on expertise or professional advice.
What is professional liability insurance?
Professional liability insurance covers the cost of defending your business against claims of negligence, errors, or omissions related to the services you provide.
Even if a lawsuit has no merit, legal fees alone can be expensive. E&O insurance helps ensure your business is protected whether or not you’re found at fault.
What does it cover?
Professional liability insurance typically covers claims related to:
Negligence — real or alleged mistakes in your work
Misrepresentation — incorrect or incomplete information provided in professional advice
Past work — claims arising from services you performed previously (depending on policy terms)
It may also help pay for:
Attorney fees and legal defense costs
Settlements or court-ordered judgments
This coverage is especially important for service-based businesses where accuracy, advice, or expertise is part of the job.
Who needs professional liability insurance?
You should consider professional liability insurance if:
You provide services or expertise for a fee
You give professional advice or recommendations
Your contracts or clients require proof of E&O coverage
Common professions that need this coverage include consultants, real estate agents, financial advisors, designers, IT specialists, and insurance brokers.
Even when you’ve done everything right, defending your business against a lawsuit can be time-consuming and costly. E&O insurance provides peace of mind so you can focus on your work — not legal disputes.
Get the protection your business deserves.
We’ll help you evaluate your professional liability exposure and find coverage that fits your services, contracts, and risk profile.