Protection for the advice, services and expertise you provide.
Help protect your business against claims alleging professional mistakes, negligence, missed deadlines, inaccurate advice or failure to deliver promised services.
Claims Alleging Errors
Protection for certain claims arising from mistakes, omissions or failure to perform professional services.
Legal Defense
Helps pay eligible legal-defense expenses when a covered professional claim is brought against you.
Contract Compliance
Obtain coverage limits and proof of insurance required by clients, landlords and business partners.
General liability protects your operations. Professional liability protects your expertise.
Professional liability insurance, often called errors and omissions insurance, helps protect businesses that provide professional advice, designs, recommendations or services.
A customer may claim that your work caused a financial loss even when you believe the service was performed correctly. Defending that allegation can still be expensive.
What can create a professional liability claim?
An error in a report, design or recommendation
Failure to complete services as promised
A missed deadline that causes financial loss
Miscommunication about the scope of work
Alleged negligence or inadequate service
A dissatisfied client seeking reimbursement
Coverage for businesses built on knowledge, advice and specialized services.
Professional liability options are available for many industries, subject to underwriting and policy eligibility.
Consultants
Management, business, operations, marketing and independent consultants providing strategic advice.
- Recommendations and analysis
- Project deliverables
- Client financial-loss claims
Technology Professionals
IT consultants, software developers, managed service providers and technology contractors.
- Software implementation
- System configuration
- Technology-service failures
Real Estate Professionals
Real estate agents, property managers, brokers and other professionals involved in property transactions.
- Disclosure allegations
- Transaction errors
- Property-management services
Accountants & Bookkeepers
Accounting firms, tax preparers, payroll providers and independent bookkeeping professionals.
- Reporting mistakes
- Tax-preparation errors
- Financial-record services
Insurance Professionals
Insurance agencies, brokers, consultants and independent professionals serving policyholders.
- Coverage-placement allegations
- Documentation errors
- Failure-to-advise claims
Architects & Engineers
Design professionals whose work may affect construction, building systems and project performance.
- Design errors
- Specification issues
- Project-delay allegations
Medical & Wellness Services
Eligible allied health, wellness, therapy and other service providers requiring specialized professional coverage.
- Treatment allegations
- Professional-service claims
- Specialized underwriting
Creative Professionals
Designers, marketing agencies, photographers, media firms and creative-service providers.
- Missed deliverables
- Campaign-performance disputes
- Media-liability options
Education & Training
Trainers, instructors, educational consultants and businesses providing specialized learning services.
- Instruction-related allegations
- Training-program disputes
- Professional-service claims
Protection tailored to professional-service claims.
Terms vary by profession, insurance company and policy form. Coverage should be reviewed against your actual services and client contracts.
Errors and Omissions
Helps protect against certain claims alleging an error, omission or mistake in the professional services provided.
Example: A report contains incorrect information that allegedly causes a client financial loss.Professional Negligence
May respond when a client alleges that your services failed to meet the expected professional standard.
Example: A client claims your recommendation was careless and caused a measurable loss.Legal Defense
Helps pay eligible attorney fees, court costs and other expenses required to defend a covered professional claim.
Defense may be costly even when an allegation is ultimately determined to be unfounded.Missed Deadlines
May provide protection when a client alleges that a missed deadline or delay in services caused financial damage.
Coverage depends on the circumstances and policy wording.Misrepresentation
May address certain allegations that statements, information or recommendations made during the service were inaccurate.
Intentional or fraudulent conduct is generally excluded.Failure to Perform
May help when a customer alleges that professional services were incomplete, inadequate or not delivered as agreed.
Contract terms and the scope of covered services are important.Professional liability and general liability protect different exposures.
Many professional businesses need both policies because one does not automatically replace the other.
Professional Liability
Focuses on financial harm allegedly caused by your professional advice, errors, omissions or services.
- Negligent professional services
- Errors in reports or recommendations
- Missed deadlines
- Failure to perform
- Client financial loss
- Professional legal defense
General Liability
Focuses primarily on bodily injury, property damage and certain personal or advertising injury claims.
- Customer slip-and-fall injuries
- Damage to third-party property
- Products and completed operations
- Personal and advertising injury
- Damage to rented premises
- General liability legal defense
A professional dispute can become expensive quickly.
These simplified examples illustrate common allegations. Actual coverage depends on the policy and facts of each claim.
Incorrect Recommendation
A consultant recommends a business strategy that the client alleges resulted in lost revenue.
Professional liability may help defend the allegation.Missed Project Deadline
A professional fails to complete work by the contractual deadline and the client claims financial damages.
Coverage may apply depending on the cause and policy.Documentation Error
An important figure is entered incorrectly in a report, proposal, application or financial document.
Errors-and-omissions coverage may respond.Failure to Deliver
A client alleges that the completed service did not meet the agreed scope, quality or performance requirements.
The contract and professional policy are reviewed.Policy dates matter in professional liability insurance.
Many professional liability policies are written on a claims-made basis. Coverage generally depends on when the professional service occurred, when the claim was made and when the claim was reported.
The professional work occurs after the applicable retroactive date.
The client first makes the allegation during the active policy period.
The insured reports the claim according to the policy’s notice requirements.
Coverage that helps you qualify for professional opportunities.
Clients may require professional liability insurance before signing an agreement, approving a project or allowing work to begin.
Send us the insurance section before signing.
Professional-service contracts may contain specific limit, deductible, notice, indemnification and insurance requirements. Reviewing them before binding coverage can help identify potential gaps.
Certificate of Insurance
Provides evidence of active coverage, limits, policy dates and insurance-company information.
Required Limits
Common requested limits include $1 million per claim, although requirements vary by contract.
What affects your premium and eligibility?
Insurance companies evaluate the services you provide, your experience, revenue, client contracts, claim history and requested coverage.
Request an Underwriting ReviewProfessional Services
The exact services, advice, deliverables and responsibilities included in your work.
Annual Revenue
Revenue helps indicate the size and volume of the business’s professional exposure.
Client Types
Large corporate, governmental, financial or high-value clients may affect underwriting.
Experience
Years in business, professional credentials and staff qualifications may influence terms.
Contracts
Written agreements, limitation-of-liability clauses and scope-of-work documentation are important.
Prior Claims
Previous allegations, lawsuits and known circumstances are generally reviewed.
Clear expectations can help prevent client disputes.
Written agreements, documentation and consistent procedures can reduce misunderstandings and improve the defense of a professional claim.
A detailed scope of work helps define what services are included, what is excluded and what each party is responsible for providing.
Build your professional coverage in three clear steps.
We review your services, compare available markets and help you understand the important policy terms before binding.
Tell Us About Your Services
Provide details about your profession, clients, revenue, contracts, experience and prior claims.
Start your quote →Compare Coverage Options
Review available limits, deductibles, retroactive dates, exclusions and defense provisions.
Review & Bind
Select the policy that fits your needs and receive your insurance documents and certificate.
What we may need to quote your professional liability.
Complete information helps the insurance company understand your exposure and provide accurate coverage terms.
Start My Professional QuoteBusiness Information
Legal name, location, years in business, employee count and annual revenue.
Description of Services
A detailed description of the advice, work, products or professional deliverables provided.
Client Information
Types of clients, largest projects, government work and any international exposure.
Professional Experience
Qualifications, licenses, certifications and resumes of key professionals when requested.
Contracts
Sample agreements, engagement letters and client insurance requirements.
Claims History
Prior claims, lawsuits, disciplinary actions or known circumstances that could become a claim.
Review the terms before you rely on the coverage.
Professional liability policies contain exclusions, conditions, reporting obligations and definitions specific to the insured profession.
Known Circumstances
Claims or potential claims known before coverage begins may not be covered.
Intentional Conduct
Fraudulent, dishonest, criminal or intentionally harmful conduct is generally excluded.
Bodily Injury and Property Damage
These exposures may be handled under general liability or a specialized professional form.
Uncovered Services
Services outside the policy’s definition of professional services may not be insured.
Contractual Guarantees
Guarantees, warranties or obligations accepted solely by contract may be limited.
Late Reporting
Failure to report a claim or circumstance promptly can affect coverage under a claims-made policy.
Ready to compare professional liability options?
Start your quote online or call our team at (305) 428-2005.
Professional liability questions, answered.
Our team can help review your services, contracts, limits, retroactive date and insurance requirements.