Massage Therapy General Liability Insurance
- Competitive insurance prices from A+ rated insurers
- Online, no paperwork. Your policy will be emailed instantly
- Over 25,000 small businesses in U.S. have used BizInsure
Professional Liability Insurance
... Surgeons Dentists Nurse practitioners Massage therapists General Liability is a common form of insurance coverage that many small businesses consider. It differs from Professional Liability insurance in that it covers ...
read more5 Questions Professionals Should Ask About Professional Liability Insurance
... Personal Trainers Physical Therapists Real Estate Agents These are just a small sampling of the types of professionals who may need Professional Liability insurance ... : General Liability - This type of insurance protects ...
read moreDoes a sole proprietor need Professional Liability Insurance?
... , and consultants . However, there is a wide range of professionals who might need Professional Liability insurance. People like personal trainers, home health care workers, and even event planners may also consider ...
read more8 Reasons You Should Have Professional Liability Insurance
... for. While your employer may have a Professional Liability policy, you may not be fully covered under ... 6. It can protect your professional reputation Professional Liability insurance can help protect you financially, but ...
read moreCalifornia Professional Liability Insurance Keeps Your Business Moving Forward
... pay an annual premium of $773 for Professional Liability Insurance. In general terms, the riskier the occupation then the higher the Professional Liability insurance pricing. Other important aspects of an organization ...
read moreHow much does Professional Liability Insurance cost?
... BizInsure covers for your business from General Liability Insurance , Professional Liability Insurance , also known as Errors & Omissions insurance (E&O), Workers Compensation Insurance, and Business Owner's Policy. How ...
read moreProfessional Liability Insurance Choices for Small Businesses
... what is covered by General, Professional and Cyber Liability insurance. Professional Liability can be a stand-alone ... line or off-line). Am I covered under my General Liability policy for any of the above? As noted under ...
read moreWhat does Professional Liability insurance cover?
... liability insurance. How Professional Liability Coverage differs from General Liability? Both general liability insurance and professional liability insurance ... is general liability insurance? General liability insurance ...
read moreWhat is the difference between General Liability insurance and Professional Liability insurance?
... the difference between General Liability insurance and Professional Liability insurance? General Liability insurance and Professional Liability insurance are two of the most common types of business insurance, and while ...
read moreGeneral Liability Insurance vs. Business Owner’s Policy: What's the Difference?
... of coverage you might consider: a Business Owner's Policy vs. General Liability. What is General Liability insurance? General Liability insurance is a primary policy type that many small business owners consider. It ...
read moreGeneral Liability Insurance
... any further questions regarding General Liability insurance, feel free to ... General Liability Insurance, Professional Liability Insurance , also known as Errors & Omissions insurance (E&O), Workers Compensation Insurance ...
read moreCheap General Liability Insurance for Subcontractors
... exposures in your industry. Our comprehensive insurance offerings include Professional Liability Insurance – also known as Errors & Omissions Insurance – General Liability Insurance and Business Owner’s Policy. Visit ...
read moreGeneral Liability Insurance for Small Business in Georgia
... has. BizInsure offers a wide range of business insurance products, including Professional Liability Insurance and General Liability Insurance. Visit the pages of each insurance option to learn more about their coverage ...
read moreGeneral Liability Insurance Colorado Small Business
... exposures that your industry faces. BizInsure offers a wide range of business insurance products, including Professional Liability Insurance and General Liability Insurance. Take the time to review the coverage of each ...
read moreTips for Purchasing General Liability Insurance
... your business. What is General Liability insurance? General Liability insurance protects businesses against the risk ... much does Professional Liability insurance cost? Protecting your small business General Liability can be ...
read moreGeneral Liability Insurance Requirements
... and real estate agents, may also need minimum levels of General Liability insurance to become licensed or join a professional association. If you are seeking a professional or trade license, it's always best to check the ...
read moreGeneral Liability Insurance – ESP
... daño hasta el límite de su póliza elegida. Si tiene más preguntas sobre el seguro de responsabilidad civil general, no dude en hacer clic en el enlace a continuación para ver nuestras preguntas frecuentes. Haga clic aquí ...
read moreHow Much Does Pilates Instructor Liability Insurance Cost?
... a Pilates instructor purchase both general liability insurance, as well as professional liability insurance . The professional liability (E&O) insurance is important because you are a certified Pilates trainer offering ...
read moreYour Guide to The Best Personal Trainer Certifications
... keep learning to stay relevant and competitive. BizInsure helps protect you by making professional liability insurance for personal trainers easy and affordable. The process can be completed online, and you'll receive ...
read moreGeneral Contractor Insurance New Jersey
... policies to safeguard their personal and business finances. The protection offered by General Liability insurance and other types of insurance can create a critical safety net for you and your business. Some types ...
read moreLiquor Liability Insurance: What You Need to Know
... . However, alcohol-related incidents are not covered by general liability insurance. Liquor liability is excluded from most commercial general liability policies. Businesses can purchase a standalone policy or bundle ...
read moreGeneral Contractor Insurance Rhode Island
... licensed agents You can relax once you know that the insurance you choose is suitable for your needs with a cost ... as Commercial General Liability (CGL) or “slip and fall coverage”, General Liability insurance can protect ...
read moreAn Introduction to Home Health Care Provider and Business Liability Insurance
... or derogatory statements about them. A general liability insurance policy will pay only up to the ... general liability and professional liability insurance is recommended for comprehensive protection. 3. Cyber insurance ...
read moreCalifornia Contractor General Liability
... can rest assured that BizInsure is working with the best insurers. Our insurance products include Professional Liability Insurance and General Liability Insurance. We have an extensive range of policies to meet the needs ...
read moreGeneral Liability vs Professional Liability Insurance: What's the Difference?
... that are commonly purchased by many professions and industries: General Liability insurance and Professional Liability insurance. General and Professional Liability Insurance: Two ways to protect your business There are ...
read moreHow Much Does Consultant Liability Insurance Cost?
... General Liability insurance and Professional Liability insurance . The Professional liability (E&O) insurance ... . Professional Liability Insurance (aka Errors & Omission or E&O) Professional (E&O) Liability insurance is ...
read moreHow Much Do Personal Trainers Make + 4 Hacks to Earn More
... – injuries, illnesses etc. A professional liability insurance will help offset the financial blow a ... BizInsure's website to receive instant quotes for personal trainer liability insurance . As you can see, a career ...
read moreWhy Do I Need Personal Trainer Liability Insurance?
... (or professional liability) claim. A general liability insurance policy excludes any acts done in your professional capacity as a personal trainer. Related: General Liability vs Professional Liability insurance ...
read moreInsurance for Massage Therapists
... to a settlement Costs and expenses related to a judgment Professional Liability Insurance (aka E&O insurance) - Massage Therapists A Professional Liability insurance policy is critical for those who are in the business ...
read moreThe Complete Guide to Yoga Instructor Liability Insurance
... Liability Insurance Yoga instructor liability insurance is made up of two major types of liability insurance - commercial general liability insurance - sometimes referred to as “slip and fall” insurance and professional ...
read moreWhat is Professional Liability Insurance for Personal Trainers?
... Professional liability insurance, or as we like to call it a personal trainer insurance coverage, affords coverage to those who provide their professional services or advice to clients. Unlike General Liability insurance ...
read moreInsurance for Personal Trainers
... Insurance For Personal Trainers Professional Liability Insurance Professional Liability insurance (aka E&O insurance ... An example when you could be held liable for a General Liability claim will be: If a third-party were to ...
read moreInsurance for Physical Therapists
... to Physical Therapists. The package includes Professional Liability insurance (Malpractice Insurance), General Liability insurance , and Cyber Liability insurance. Each of these types of liability insurances is ...
read moreWhat Will I Pay for Physical Therapists Liability Insurance?
... Physical Therapist General Liability Insurance . In the meantime, let's dig into the particulars about Physical Therapists Liability insurance pricing. Cost of professional liability insurance for physical therapists ...
read moreHow Much Does Personal Trainer Liability Insurance Cost
... injuries); Employment Practices Liability (employment disputes); General Liability (false advertising). How much does personal trainer liability insurance cost? The cost of the professional liability policy depends on a ...
read moreWhat is Physical Therapist Liability Insurance
... Therapy job. However, it will payout for other General Liability claims up to the maximum liability limit defined by the policy. Learn more about Physical Therapist General Liability Insurance . Professional Liability ...
read moreWhat is Professional Liability Insurance for personal trainers
... to consider as a personal trainer. It offers coverage for those who provide professional services and advice to clients and is a different form of protection then General Liability insurance which typically covers for ...
read moreWhat is Pilates Instructor Liability Insurance?
... cut into your bottom line. What Is Professional Liability (E&O) Insurance for Pilates Instructors? Professional Liability ( Errors & Omissions ) insurance is different than General Liability because it's meant to protect ...
read moreWhy Do I Need Pilates Liability Insurance?
... of professional (E&O) liability insurance is to safeguard your Pilates business against any claims for unintentional mistakes, inaccurate advice, violations of good faith, and general negligence. For Pilates instructors ...
read moreGeneral Contractor Insurance Nebraska
... General Liability insurance Also referred to as Commercial General Liability (CGL) or “slip and fall coverage”, this insurance ... therapy to transition the employee back into the workplace. Rehabilitation or physical therapy ...
read moreProfessional Liability Insurance Texas
... others. Professions that may need Professional Liability insurance in Texas include, but are not limited to: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and ...
read moreProfessional Liability Insurance Florida
... Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga Instructors How much does Professional Liability Insurance cost A professional Liability policy is a ...
read moreProfessional Liability Insurance Maryland
... Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga Instructors How much does Professional Liability Insurance cost? The yearly cost of Professional Liability insurance for ...
read moreGeneral Contractor Insurance Wisconsin
... because of what you’ve done. Also referred to as Commercial General Liability (CGL) or “slip and fall coverage”, General Liability insurance can protect your business against bodily injury or property damage lawsuits ...
read moreGeneral Contractor Insurance Vermont
... the risks that contractors could face. General Liability Insurance A construction site is an area ... an injury. It could also pay for rehabilitation or physical therapy to help the employee return to the workplace. To meet ...
read moreGeneral Contractor Insurance Tennessee
... to replace or remedy the situation up to the limits of liability. Tennessee General Liability insurance may also be called Commercial General Liability (CGL) insurance or “slip and fall” coverage. Business Owner’s Policy ...
read moreGeneral Contractor Insurance South Carolina
... may face. General Liability insurance Construction sites are ... insurance typically covers medical bills, a portion of the income lost if they’re unable to work because of the injury, and rehabilitation or physical therapy ...
read moreGeneral Contractor Insurance Pennsylvania
... limits of liability. Pennsylvania General Liability insurance may also be called Commercial General Liability (CGL) ... injury, as well as rehabilitation or physical therapy to transition the employee back into the workplace ...
read moreGeneral Contractor Insurance Oklahoma
... for you and your business. Also referred to as Commercial General Liability (CGL) or “slip and fall coverage”, General Liability insurance can protect your business against bodily injury or property damage lawsuits ...
read moreGeneral Contractor Insurance Ohio
... as General Liability insurance and ... insurance will cover their medical bills. It will also cover some of their lost income if they're unable to work because of the injury, as well as rehabilitation or physical therapy ...
read moreGeneral Contractor Insurance North Carolina
... most common exposures. These policies combine General Liability insurance with other types of coverage, ... therapy to transition the employee back into the workplace. In North Carolina, Workers’ Compensation insurance is ...
read moreGeneral Contractor Insurance New York
... your cost to replace or remedy the situation up to the limits of liability. New York General Liability Insurance is sometimes called Commercial General Liability (CGL) or “slip and fall” coverage. Business Owner’s Policy ...
read moreGeneral Contractor Insurance New Mexico
... as General Liability insurance and ... insurance will cover their medical bills. It will also cover some of their lost income if they're unable to work because of the injury, as well as rehabilitation or physical therapy ...
read moreGeneral Contractor Insurance California
... side of the road could cause your business to suffer if someone gets hurt. General Liability Insurance, also called Commercial General Liability (CGL) or “slip-and-fall coverage”, can protect your company against claims ...
read moreGeneral Contractor Insurance New Hampshire
... look at various types of insurance. These insurance policies can help you reduce the risks that contractors could face. General Liability insurance Also referred to as Commercial General Liability (CGL) or “slip and fall ...
read moreGeneral Contractor Insurance Nevada
... general contractors may select, such as: General Liability insurance Business Owner's Policy Workers’ Compensation insurance ... injury, as well as rehabilitation or physical therapy to transition the employee back into the ...
read moreGeneral Contractor Insurance Montana
... The protection offered by General Liability insurance and other types of insurance can create a ... rehabilitation or physical therapy to transition the employee back into the workplace. Workers’ Comp insurance is mandatory ...
read moreGeneral Contractor Insurance Missouri
... in place to protect their businesses and personal finances. The coverage provided by General Liability insurance and other types of insurance could provide an essential safety net for your business and you. There is ...
read moreGeneral Contractor Insurance Mississippi
... policies could assist you in reducing the risks that general contractors are exposed to when working. General Liability insurance Also referred to as Commercial General Liability (CGL) or “slip and fall coverage”, this ...
read moreGeneral Contractor Insurance Minnesota
... policies might help you mitigate the common risks that general contracting companies have to face. General Liability insurance Also referred to as Commercial General Liability (CGL) or “slip and fall coverage”, this ...
read moreGeneral Contractor Insurance Michigan
... kinds. These policies might help in reducing the typical risks that general contracting companies face. General Liability insurance Also referred to as Commercial General Liability (CGL) or “slip and fall coverage”, this ...
read moreGeneral Contractor Insurance Maryland
... therapy to transition the employee back into the workplace. What does contractor insurance cover in Maryland? Insurance ... party claims and property damage (General Liability insurance for Maryland contractors). Unexpected ...
read moreGeneral Contractor Insurance Maine
... that contractors are exposed to when working. General Liability insurance Also referred to as Commercial General Liability (CGL) or “slip and fall coverage”, this insurance can protect your business against bodily injury ...
read moreGeneral Contractor Insurance Louisiana
... reduce the risks that contractors may face. General Liability insurance Also referred to as Commercial General Liability (CGL) or “slip and fall coverage”, this insurance can protect your business against bodily injury ...
read moreGeneral Contractor Insurance Kentucky
... general contractors on the job. General Liability insurance Also referred to as Commercial General Liability (CGL) or “slip and fall coverage”, this insurance ... rehabilitation or physical therapy to transition the employee ...
read moreGeneral Contractor Insurance Kansas
... policies can help you manage the common risks faced by general contractors working on their jobs. General Liability insurance Also referred to as Commercial General Liability (CGL) or “slip and fall coverage”, this ...
read moreGeneral Contractor Insurance Iowa
... damage lawsuits from outside parties. Iowa contractors can safeguard their bank accounts with General Liability insurance. The insurance covers your legal costs in the event that somebody claims that your actions caused ...
read moreGeneral Contractor Insurance Illinois
... as Commercial General Liability (CGL) or “slip and fall coverage”, General Liability insurance can protect ... of the injury, as well as rehabilitation or physical therapy to transition the employee back into the workplace. ...
read moreGeneral Contractor Insurance Georgia
... result of the mistake you made. Also referred to as Commercial General Liability (CGL) or “slip and fall coverage”, General Liability insurance can protect your business against bodily injury or property damage lawsuits ...
read moreGeneral Contractor Insurance Connecticut
... in the event that someone gets hurt because of what you’ve done. General Liability insurance , also referred to as Commercial General Liability (CGL) or “slip and fall coverage”, can protect your business against bodily ...
read moreGeneral Contractor Insurance Colorado
... side of the road could cause your business to suffer if someone gets hurt. General Liability Insurance , also called Commercial General Liability (CGL) or “slip-and-fall coverage”, can protect your company against claims ...
read moreGeneral Contractor Insurance Arkansas
... location, it could be a big problem for your company and you. General Liability insurance , also referred to as Commercial General Liability (CGL) or “slip and fall coverage”, protects your business against bodily ...
read moreProfessional Liability Insurance California
... such as General Liability insurance and ... Professional Liability insurance are: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga Instructors ...
read moreProfessional Liability Insurance in Kentucky
... justified or not). Professions which may require Professional Liability insurance include: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga ...
read moreRhode Island Professional Liability insurance
... owners might also want to consider General Liability , Workers’ Compensation as well ... Professional Liability insurance in Rhode Island. Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors ...
read moreProfessional Liability Insurance in New York
... New York professionals may need insurance for liability. The professions covered by this insurance include, but are not limited: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home ...
read morePennsylvania Professional Liability insurance
... Professions that may consider Professional Liability insurance in Pennsylvania include but aren’t limited to: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and ...
read moreOhio Professional Liability insurance
... Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga Instructors As you can see, there are many jobs and professions that can benefit from the benefits of a Professional Liability ...
read moreWyoming Professional Liability insurance
... are justifiable or not). Professions that could require Professional Liability insurance are: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga ...
read moreWisconsin Professional Liability insurance
... justifiable or not). The following professions might need Professional Liability insurance: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga ...
read moreWest Virginia Professional Liability insurance
... they’re justified or not). Professions that may need Professional Liability insurance include: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga ...
read moreVermont Professional Liability insurance
... justified or not). The following professions may consider Professional Liability insurance: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga ...
read moreWashington Professional Liability insurance
... . General Liability This insurance protects ... Professional Liability insurance: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga Instructors ...
read moreVirginia Professional Liability insurance
... following professions may need Professional Liability insurance: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga Instructors As you are able ...
read moreUtah Professional Liability insurance
... BOP) , is an insurance product that blends General Liability and Business Personal Property ... Professional Liability insurance are: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors ...
read moreTennessee Professional Liability insurance
... business owners in Tennessee. General Liability – This insurance covers your business from ... Professional Liability insurance are: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors ...
read moreSouth Dakota Professional Liability insurance
... justified or not). Professions that may consider Professional Liability insurance include: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga ...
read moreSouth Carolina Professional Liability insurance
... proprietors in South Carolina. General Liability – This insurance shields your company from lawsuits ... Professional Liability insurance: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors ...
read moreOregon Professional Liability insurance
... of others. Oregon professionals may need Professional Liability insurance. These professions include but are not limited to: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care ...
read moreOklahoma Professional Liability insurance
... businesses may consider Professional Liability insurance for certain professions, such as but not limited to: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers ...
read moreNorth Dakota Professional Liability insurance
... . Professions that may require Professional Liability insurance in North Dakota include but aren’t limited to: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and ...
read moreNew Jersey Professional Liability insurance
... of professions who may require Professional Liability insurance: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga Instructors Take the time to ...
read moreNew Mexico Professional Liability insurance
... of others. Some professions like the ones below may consider Professional Liability insurance. Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga ...
read moreNew Hampshire Professional Liability insurance
... Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga Instructors There are a variety of occupations and professions that may benefit from Professional Liability insurance. A ...
read moreReviews related to Massage Therapy General Liability Insurance
-
Bee Her has been extremely helpful in assisting with my professional liability insurance needs.
Kirsti
Freight Forwarder -
Thank you for contacting me via e-mail with the reminder to renew my Business Liability insurance with your company. Carl R. Turnquist / Concord, MA
Carl
Compliance Consultant -
These ease was very good, I'm looking for more insurance options, such as Liability Insurance, etc. I only had one insurance company populate.
Ricardo
Florists -
Josh was excellent in providing quick service for my immediate needs. He researched and provided the quote quickly. I will pass bizinsure's good name to others searching for professional liability insurance!
Ivy
Business Consultant -
The woman I originally spoke with was extremely helpful in getting me a quote for Professional Liability Insurance. She really took the time to understand my business and to determine what policy would be best for me to apply for.
Kati
Business Consultant -
Like your reminder emails and Ease of paying the premium online . Hope you offer additional Insurance coverage such as Workers Comp and General Liability.
Sunil
IT (Information Technology) Consulting
What is Professional Liability Insurance?
Professional Liability protects your business against claims of negligence, misrepresentation or mistake, as well as document or paperwork errors. Claims made against a Professional Liability policy typically result from clients who allege that your services, products, or employees have caused them to suffer some sort of financial damage. Professional Liability insurance may also be sold as Errors and Omissions (E&O) insurance or medical malpractice insurance, depending on the industry that specific policies are designed to protect.
People working in certain industries may be required to have Professional Liability insurance in order to do business.
This includes many different types of professions, such as:
And many more
Click here for a complete list of Frequently Asked Questions
How much is Professional Liability insurance?
BizInsure analyzed more than 5,000 of our customers and found that on average small businesses spend around $767 per year for Professional Liability insurance. This includes all industries and varying policy limits. However, Professional Liability insurance costs less than $600 per year for more than a third of small business owners.
Our analysis also found that just over half of small business owners pay less than $51 a month for their Professional Liability coverage.
To learn more about how much Professional Liability insurance costs, click here.
There are many factors that insurance companies use to determine the cost of Professional Liability policies. These include:
- Your industry
- The amount of revenue your business produces
- The risk management procedures you have in place
- Claims history
- The amount of coverage desired
Every small business is different. The unique risk factors your business faces mean that your policy and premiums may differ from other companies, even those within the same industry.
What does Professional Liability insurance cover?
Professional Liability insurance can protect your business against allegations that your services, products or employees caused a third party some form of financial damage. This includes:
Errors, mistakes and omissions
Even the most careful professional service provider can sometimes make a mistake or forget to rely important information to a client.
Negligence
Professional service providers are held to high standards, and if you don’t meet a client’s expectations, you could face a lawsuit.
Breach of contract
If you do not meet your contractual obligations, your client may sue.
Undelivered services
Inability to deliver the services you promised could lead to a claim or lawsuit from an unsatisfied client.
Missed deadlines
Even if you’re on schedule, unforeseen events can impact agreed deadlines and trigger a claim.
A Professional Liability policy typically pays for your attorney fees and other legal expenses necessary to defend your business in court. It also covers any settlements or judgements you are required to pay as a result of the claim.
The coverage provided by a Professional Liability insurance policy applies even if you are not at fault. Defending your professional reputation can be expensive, even if the claim made against you is baseless. Professional Liability insurance provides an important financial safety net for both legitimate and meritless liability claims.
Professional Liability insurance covers incidents such as:
- Providing incorrect advice to a client around accessibility or other building standards
- Flaws in your work that require the client to pay for new materials and labor
- Alleged mistakes, even if you are not at fault
Explained: What does Professional Liability cover?
What is not covered by Professional Liability insurance?
There are limits to what Professional Liability insurance will cover. Professional Liability policies do not cover:
Third-party bodily injury or property damage:
A General Liability policy provides protection should a customer or other member of the public is injured on your business premises or you damage someone else’s property.
Work-related injuries or illnesses
A Worker’s Compensation policy can help you or your employees get back to work following a workplace injury or illness.
Speak with our licensed agents today
You can relax knowing you’ve secured the right insurance at a competitive price.
BizInsure’s licensed and knowledgeable agents are here to help you find the right product.
Who needs Professional Liability Insurance?
There are many types of small businesses and occupations who could need Professional Liability insurance. This includes businesses that:
- Regularly give advice to clients
- Provide professional services directly to customers
- Represent their clients’ interest on their behalf
In many states, minimum amounts of Professional Liability coverage are required for some occupations, such as medical professionals and attorneys. Additionally, professional associations and some clients may also require you to carry this type of policy.
To learn more about the Professional Liability requirements in your area, consult your state or local laws or professional association.
These guidelines can apply to a number of different professions in very different industries. Examples include:
Whether you’re designing the newest skyscraper or a family home, you may need protection while you work. A small error, misunderstanding with the contractor, and other forms of professional wrongdoing can leave architects open to an expensive lawsuit. Professional Liability insurance could help shield you against common risks you may face. Visit our Architect Liability Insurance page to learn more.
Your work is essential to the planning and construction of buildings and other parts of the country’s infrastructure. Engineers work closely with architects, contractors, and other professionals on each project. A missed deadline, mistake, and other unintentional mishaps could leave you vulnerable to a lawsuit. Visit our Insurance for Engineers page to explore your coverage options.
Business owners and professionals rely on your expertise and advice to help them improve their company. A simple mistake, missed deadline, or breach of contract could lead to a costly lawsuit that threatens a consultant’s finances and professional reputation. Professional Liability insurance could help you protect your consultancy. Visit our Insurance for Consultants page to learn more.
Working closely with patients and their families can be rewarding. It can also leave healthcare providers at risk for expensive lawsuits. Shield yourself against claims of negligence, mistakes, and other types of professional wrongdoing with Professional Liability insurance coverage. Visit our Insurance for Home Care Providers, Businesses and Agencies page to explore options for protecting your small business.
Your clients trust you with their money. A small mistake could lead to huge losses for them—and even bigger problems for you. Professional Liability insurance helps protect accountants against expensive lawsuits resulting from errors and other faults in their work. Visit our Insurance for Accountants page to learn more about protecting your small business.
You need insurance but don’t know what kind? BizInsure offers General Liability Insurance, Professional Liability Insurance, also known as Errors & Omissions insurance (E&O), Workers Compensation Insurance, and Business Owner’s Policy, so you have plenty of options. Compare quotes and find out which policy is right for your company with BizInsure.
Professional Liability Insurance FAQs
Is employers’ liability the same as Professional Liability insurance?
No, employers’ liability is not the same as Professional Liability insurance.
Employers’ liability protects businesses against workplace injury or illness claims not covered by Workers’ Compensation insurance. It may be included as part of your Workers’ Compensation policy (except for policies purchased from a monopolistic state fund) or added to your policy as an endorsement.
Employer’s liability typically covers:
- Lawsuits by third parties distantly involved in the accident
- Lawsuits brought by the family of an employee who is deceased or disabled
- Non-employees who suffer physical damage due to the employee’s injury
- Dual-capacity lawsuits where you are sued both as the employer and as something else (i.e., a product manufacturer, service provider, landlord, etc.)
Is malpractice insurance the same as Professional Liability insurance?
Malpractice insurance is a type of Professional Liability insurance designed specifically for people working in the medical field. The potential for mistake is higher for these occupations and the consequences that follow them could be much greater for their patients.
Examples of occupations that may consider malpractice insurance include:
- Doctors
- Surgeons
- Dentists
- Nurse practitioners
- Massage therapists
What is General Liability and Professional Liability insurance?
General Liability is a common form of insurance coverage that many small businesses consider. It differs from Professional Liability insurance in that it covers bodily injury and property damage claims made by third parties.
You might consider General Liability insurance if you:
- Regularly meet with third parties (clients, vendors, delivery people, etc.) in your office or workplace
- Regularly meet with clients or vendors in their homes or places of business, or on third-party worksites
- Handle your client’s property or personal belongings
- Have employees who do any of the above
Click here to learn more about General Liability insurance.
What is the difference between E&O and Professional Liability insurance?
Professional Liability insurance is the same as Errors and Omissions (E&O) insurance. They provide the same forms of protection against mistakes in your work, negligence, breaches of contract, and other common liabilities in this category.
You may be more likely to see a policy listed as E&O insurance when it is being sold to certain industries, such as real estate, tech, and accounting.
Is directors and officers’ insurance the same as Professional Liability?
Directors and officers’ insurance is a type of Professional Liability insurance designed specifically for the higher ups at a company. This includes directors, officers, executives, and other members of upper management.
While directors and officers’ insurance is similar to Professional Liability insurance, the coverage it provides is targeted to the unique risks faced by a company’s primary decision makers. This includes:
- Negligence
- Poor financial management
- Errors
- Wrongful acts and conflicts of interest (excluding crimes or illegal acts)
Like Professional Liability, directors and officers’ insurance protects against claims that typically come from outside the company, such as from a dissatisfied client or investor.
Is employment practices liability the same as Professional Liability insurance?
No, employment practices liability is not the same as Professional Liability insurance.
Employment practices liability protects businesses against claims and lawsuits brought by employees who allege that the company has violated their legal rights. Common reasons for an employment practices lawsuit include:
- Wrongful termination
- Failure to promote or hire
- Discrimination
- Sexual and other forms of harassment
Is Professional Liability insurance tax deductible?
Yes, Professional Liability insurance is typically a tax-deductible expense for small businesses. According to the IRS, you can deduct many insurance premiums that are considered ordinary and necessary costs. This includes Professional Liability, General Liability, and Workers’ Compensation insurance, as well as many of the coverages that can be included in a Business Owner’s Policy (BOP).
A tax professional can help you determine which insurance premiums you can deduct from your tax filing.