Commercial Lines Coverage

Professional Liability Insurance

Errors & Omissions (E&O) coverage for consultants, contractors, and service professionals — protecting you when a client claims your work caused them financial harm.

Get a free quote Call (305) 791-4872

Coverage overview

Even the most skilled professionals make mistakes — or face clients who believe they did. Professional liability insurance (also called E&O or malpractice insurance) covers legal defense costs and settlements when a client sues over alleged errors, omissions, or negligence in your professional services. One lawsuit can be financially devastating without it.

What we can include

Errors and omissions (E&O)
Legal defense costs
Settlements and judgments
Claims-made coverage
Prior acts coverage
Cyber liability add-ons
Contractual liability
Regulatory defense

Who needs it

Who needs professional liability insurance?

Consultants & Advisors

Business, financial, HR, and management consultants whose advice directly impacts client outcomes.

IT & Technology Professionals

Software developers, IT consultants, and tech firms whose systems or code could cause client losses.

Real Estate Professionals

Agents, brokers, and property managers face E&O claims regularly — coverage is often required by brokerages.

Healthcare Providers

Doctors, therapists, and other healthcare professionals need malpractice coverage for patient care claims.

Architects & Engineers

Design professionals whose plans and specifications are relied upon for construction projects.

Accountants & CPAs

Tax and accounting professionals whose work directly affects clients' financial decisions and obligations.

Questions

Frequently asked questions

Don't see yours? Call or text us and we'll answer it.

What's the difference between professional liability and general liability?

General liability covers bodily injury and property damage. Professional liability covers financial losses a client suffers due to your professional errors or omissions. Most businesses need both.

What does "claims-made" mean?

Claims-made policies cover claims filed while the policy is active, regardless of when the incident occurred (within the retroactive date). This differs from occurrence policies, which cover incidents that happen during the policy period.

Do I need professional liability if I have a contract?

Yes. Contracts can limit liability but don't eliminate it. A client can still sue, and legal defense alone can cost tens of thousands of dollars even if you win.

How much coverage do I need?

It depends on your industry, contract sizes, and client requirements. Many contracts require $1M per occurrence. We'll help you determine the right limits for your practice.

Ready to get covered?

Our licensed advisors will find you the right coverage across our carrier partners. No obligation, no pressure. We speak English and Spanish.

Get a free quote (305) 791-4872

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