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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 moreCalifornia Professional Liability Insurance Keeps Your Business Moving Forward
... that could someday lead to a liability lawsuit. Consultants , accountants , fitness instructors , and dozens of other California business owners keep Professional Liability insurance in their portfolio just in case ...
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 moreWhat does Professional Liability insurance cover?
... injuries, you will need product liability insurance. How Professional Liability Coverage differs from General Liability? Both general liability insurance and professional liability insurance are designed to protect your ...
read moreHow much does Professional Liability Insurance cost?
... risk of your business being sued, the higher the cost of your policy. When you apply for a Professional Liability Insurance policy, there are a few things which your business will be assessed on before coming back with a ...
read more5 Questions Professionals Should Ask About Professional Liability Insurance
... Health Providers Legal Services Personal Trainers Physical Therapists Real Estate Agents These are just a small sampling of the types of professionals who may need Professional Liability insurance. However, you may still ...
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 coverage ... the Personal Injury and Advertising Injury coverage parts of the general liability policy and ...
read more8 Reasons You Should Have Professional Liability Insurance
... business and personal finances, safeguard your professional reputation, and provide overall peace of mind as you work for you clients. If you are ready to find Professional Liability insurance that fits your business ...
read moreYour Guide to The Best Personal Trainer Certifications
... choose to become certified as a group fitness instructor, health coach, personal trainer, or a medical ... helps protect you by making professional liability insurance for personal trainers easy and affordable. The process ...
read moreWhat is Professional Liability Insurance for personal trainers
... is Professional Liability Insurance for personal trainers As a personal trainer, you help a variety of people every day to help reach their fitness goals, giving them advice on training and pushing them to their fitness ...
read moreWisconsin Professional Liability insurance
... Professional Liability insurance: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors ... at a price that fits your budget. Learn more about Professional Liability insurance in the states ...
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 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 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 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 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 moreProfessional Liability Insurance Michigan
... might require professional insurance for liability. The professions covered by this insurance include, but are not limited: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care ...
read moreProfessional Liability Insurance Alabama
... . Alabama businesses might need Professional Liability insurance for specific professions, such as: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses ...
read moreWashington Professional Liability insurance
... following professions may require Professional Liability insurance: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga Instructors As you can see ...
read moreTennessee Professional Liability insurance
... justified 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 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 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 moreWest Virginia Professional Liability insurance
... Professional Liability insurance include: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors ... cover that fits your budget. Learn more about Professional Liability insurance in the ...
read moreHow Will Your Texas Business Benefit from Professional Liability Insurance?
... Insurance Benefit My Business? Professional Liability Insurance will also offer your Texas business less obvious benefits such as: Professional Liability May Be Required – For example, many industries such as fitness ...
read moreProfessional Liability Insurance California
... ). Professions that may need Professional Liability insurance are: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga Instructors As you can see ...
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 moreRhode Island Professional Liability insurance
... . The following professions may consider Professional Liability insurance in Rhode Island. Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga ...
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 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
... justified 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 moreSouth Carolina Professional Liability insurance
... justifiable or not). The following professions could need Professional Liability insurance: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga ...
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 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 moreNevada Professional Liability insurance
... but are not limited: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga Instructors Professional Liability insurance may benefit a wide range of ...
read moreNebaraska Professional Liability insurance
... may consider Professional Liability insurance: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga Instructors Professional Liability insurance is ...
read moreMontana Professional Liability insurance
... Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga Instructors There are many jobs and professions that may benefit from Professional Liability insurance. Take ...
read moreProfessional Liability Insurance Indiana
... others. Professions that require Professional Liability insurance in Indiana include but aren’t restricted to: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and ...
read moreMississippi Professional Liability insurance
... you agree to in your insurance contract, Professional Liability insurance could save you from: ... Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga Instructors Professional Liability ...
read moreProfessional Liability Insurance Minnesota
... professionals might require Professional Liability insurance. The professions covered by this insurance include, but are not limited: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors ...
read moreProfessional Liability Insurance Maine
... of other people. These professions may consider Professional Liability insurance in Maine: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga ...
read moreProfessional Liability Insurance in Kansas
... people. The following professions may consider Professional Liability insurance in Kansas: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga ...
read moreProfessional Liability Insurance Iowa
... who provide professional services. Iowa Professional Liability insurance may be required for the following occupations: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care ...
read moreProfessional Liability Insurance Illinois
... interests of other people. Professional Liability insurance is a requirement for the following professions: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and ...
read moreProfessional Liability Insurance Idaho
... needs. Idaho professionals might require Professional Liability insurance. These professions include but aren’t limited to: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care ...
read moreProfessional Liability Insurance Delaware
... of other people. Delaware Professional Liability insurance may be required for the following occupations: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and ...
read moreProfessional Liability Insurance Georgia
... professionals may need Professional Liability insurance. The professions covered by this insurance include, but are not limited: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors ...
read moreProfessional Liability Insurance Colorado
... : Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga Instructors It is clear that a Professional Liability insurance policy in Colorado can be ...
read moreProfessional Liability Insurance Connecticut
... Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga Instructors There are a variety of jobs and professions that can benefit from a Connecticut Professional Liability ...
read moreProfessional Liability Insurance Arizona
... . Professions that may require Professional Liability insurance in Arizona include but aren’t limited to: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and ...
read moreProfessional Liability Insurance Arkansas
... others. Arkansas professionals may need Professional Liability insurance. These professions include but aren’t limited to: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care ...
read moreProfessional Liability Insurance Alaska
... Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga Instructors You can see the benefits of a Professional Liability insurance policy can be beneficial ...
read moreWhy do architects need Professional Liability Insurance?
... the costs from a liability allegation, protecting your professional and personal assets. How much does architect Professional Liability Insurance cost? When calculating the cost of a Professional Liability premium , your ...
read moreAll You Need to Know about Professional Liability Insurance for Architects
... exactly is Professional (E&O) Liability Insurance for Architects? Professional Liability Insurance for Architects ... same as your personal auto and home insurance. This means an eligible liability claim is covered ...
read moreWho Needs Professional Liability Insurance?
... -negotiable. While they may waver over whether or not to get insurance for their business property, autos, or even for their personal lives, most professional service providers agree that professional liability insurance ...
read moreProfessional Liability Insurance: What Would You Pay to Protect Your Architectural License?
... is simply not true. If you don't have a Professional Liability Insurance for Architects to absorb the financial costs then you'll need to use your personal resources. Plus, if you are unable to compensate the unhappy ...
read moreDo Teachers and Education Professionals need Professional Liability Insurance?
... as driving instructors or music teachers) What types of insurance do Education Professionals need? Education professionals often consider Educators' Professional Liability insurance and General Liability insurance to ...
read moreThe Benefits of Professional Liability Insurance for Small Businesses
... can help protect a wide range of small businesses Professional Liability insurance can help protect many types of small businesses. From accountants and engineers to personal trainers and home health aides, a policy can ...
read moreTop reasons copywriters need Professional Liability insurance
... about Professional Liability insurance, as well as other insurance for self-published authors, editors, and writing professionals. What is Professional Liability insurance? Professional Liability insurance can protect ...
read moreProfessional Liability Insurance – new
... your personal savings, or even be forced to close your business. Professional Liability insurance helps shield ... insurance needs. There isn't a one size fits all policy when it comes to Professional Liability insurance, ...
read moreProfessional Liability Insurance test
... your personal savings, or even be forced to close your business. Professional Liability insurance helps shield ... insurance needs. There isn't a one size fits all policy when it comes to Professional Liability insurance, ...
read more5 things engineers should know about professional liability insurance
... to the breaking point, and unfortunately have led to business closures and damaging personal savings as well. Professional Liability insurance removes this burden from your shoulders, so you're not left paying these ...
read moreDo You Have Engineer Professional Liability Insurance? Here Is Why You Should
... a co-defendant on such a lawsuit. A Professional Liability insurance policy for engineers (also called Errors & Omissions insurance ) protects your business and your personal assets from the financial consequences of a ...
read moreProfessional Liability Insurance – ESP
... 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 . BizInsure analizó a más de 5000 de nuestros ...
read moreWhat is Professional Liability insurance for consultants?
... firm's day to day operations, finances and reputation, an added stress you could live without. Professional Liability insurance is an investment to ensure the survival of your consultancy business in the event a lawsuit ...
read moreHow much does Professional Liability Insurance cost for consultants
... not left with any out of pocket costs for defending your case. As a consultant , Professional Liability insurance is an important measure for protecting your business in the long run. A client can potentially perceive ...
read moreConsumer Demands and Professional Liability Insurance Go Hand in Hand
... and can not meet client expectations. This is where professional liability insurance comes in. In its most simplistic form, professional liability insurance provides protection for the provider, when the client feels ...
read moreWhy do Architects and Engineers need Professional Liability Insurance?
... things under different names. What does Professional Liability insurance cover? Many professionals may have General Liability policies, which provide coverage against personal injury or damages to property, but these ...
read moreHow Important is Professional Liability Insurance for Consultants?
... Breach of contract Undelivered services Missed deadlines Why consultants may need Professional Liability insurance Professional Liability insurance for consultants may be good to have. Consultants typically give their ...
read moreProfessional Liability Insurance for Health and Safety Consultants
... today and let our expert team quickly handle your request. Take advantage of our health and safety Professional Liability insurance to take care of all sorts of legal fees that could arise in the future. Get instant ...
read moreProfessional Liability Insurance For Educational Consultants
... protect yourself from the expense associated with legal claims. It might not be apparent now, but Professional Liability insurance for educational consultants is important as you are not immune to legal action. With our ...
read moreWhat is Malpractice Insurance (aka Professional Liability Insurance) for nurses?
... Insurance? While employers may provide some form of Professional Liability coverage , Malpractice Insurance ... the personal fees associated with the case, leaving you financially out of pocket. Malpractice Insurance also ...
read moreArchitect Professional Liability Insurance Texas
... more details on when you are and are not covered. How much does architect's Professional Liability insurance cost in Texas? Insurance premiums can vary greatly, even between two architects or architecture firms. This is ...
read moreWhat is Professional Liability Insurance for Personal Trainers?
... always excluded on any insurance policy. How much does professional liability insurance for a personal trainer cost? If you work for a fitness center, they likely have a Professional Liability policy to cover themselves ...
read moreWhat is Professional Liability insurance and why you need it for your Florida business?
... consultants , fitness trainers , and more. Related: Who needs Professional Liability Insurance? How much does Professional Liability Insurance cost Unfortunately insurance policies are rarely a one-size-fits-all type of ...
read moreWhat you need to know about the cost of engineer Professional Liability Insurance
... the policy? What is Professional Liability Insurance? A Professional Liability Insurance policy (also called an ... non-quantifiable factors that will either reduce your premium or add on to it. No two Professional Liability ...
read moreAll you wanted to know about Engineer's Professional Liability insurance
... policies are important and should be considered carefully for your business needs. Why do I need engineer professional liability insurance? Now that you know exactly what this type of policy covers, let’s talk about why ...
read moreGeneral Liability vs Professional Liability Insurance: What's the Difference?
... 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 many ...
read moreHow Much Does Personal Trainer Liability Insurance Cost
... is a professional liability policy. Professional liability personal trainer insurance What is professional liability personal trainer's insurance? As the name implies, personal trainer professional liability insurance is ...
read moreWhy Not Protect Your Stamp with Professional Liability for Architects?
... will keep your professional and personal assets secure. There's another way to think about it. Can you really afford to go without Professional Liability Insurance ? Do I need my own professional liability policy? If you ...
read moreWhy Do I Need Estheticians Liability Insurance?
... a mistake at some point. Maybe you are distracted by a personal issue, lose track of time and leave a product on the ... in case a lawsuit happens. Esthetician Professional liability insurance is an essential tool that you ...
read moreWhat Is Estheticians Liability Insurance
... a day. Unfortunately, not all of them are going to walk out of your spa as happy customers. Professional liability insurance , otherwise known as an errors & omissions policy , is designed to protect you in a case of a ...
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 moreWhy Do I Need Personal Trainer Liability Insurance?
... of law can be financially draining. This is the one of the main reasons personal trainers purchase a personal trainer professional liability insurance policy. You will get the peace of mind that if something like this ...
read moreHow Much Do Personal Trainers Make + 4 Hacks to Earn More
... , people tend to trust the professionals that are certified in whatever service they are interested ... instant quotes for personal trainer liability insurance . As you can see, a career in Personal Training can be very ...
read moreInsurance for Personal Trainers
... hefty malpractice suit. Did you know? Many fitness clubs won't permit independent contractors on site without evidence of professional liability insurance. Sometimes the personal trainers need to cover their own training ...
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 moreThe Complete Guide to Yoga Instructor Liability Insurance
... . A study [2] in the Orthopedic Journal of Sports Medicine, titled Yoga-Related Injuries in the United States From ... Instructor Liability Insurance: Protection from Professional Liabilities Professional liability insurance ...
read moreWhy Do I Need Pilates Liability Insurance?
... in your professional Pilates skills and believe no mistakes will be made so no need for liability insurance. However, if you have plans on growing your business and hiring additional Pilates instructors, doesn't ...
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 moreHow Much Does Consultant Liability Insurance Cost?
... Liability insurance and Professional Liability insurance . The Professional liability (E&O) insurance is ... the other hand, a fitness coach that provides insufficient instruction may cause a fitness student $50,000 in ...
read moreWhat is Accountant Liability Insurance?
... car. Personal and Advertising Injury Claims This part of Accountant Liability insurance protects you if someone alleges you have libeled, slandered or infringed on their copyright. Professional Liability Insurance for ...
read moreWhat is Physical Therapist Liability Insurance
... Assisting patients in achieving their optimum physical fitness level is what gets you out of bed each morning. Having General Liability and Professional (Malpractice) Insurance will ensure you sleep peacefully each night ...
read moreReviews related to Non Certified Personal Trainer Insurance
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Freight Forwarder -
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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.
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What is Professional Liability InsuranceÂÂÂ?
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.
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
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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)
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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.