Professional Liability Insurance California

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Professional Liability insurance for California small businesses

California is home to over 4.1 million small businesses, according to the latest stats provided by the U.S. Small Business Administration Office of Advocacy. These small businesses are a vital part of the Golden State’s economy, making up 99.8% of all businesses and adding over 214,500 net jobs to the state in 2019.

The top five industries for California small businesses are:

  1. Accommodation and Food Services
  2. Health Care and Social Assistance
  3. Professional, Scientific, and Technical Services
  4. Construction
  5. Retail

Regardless of the industry you work in, you will likely want to protect your small business from common risks. Professional Liability insurance is one way to do this. A policy can help protect a wide variety of businesses and occupations from common claims that might otherwise be financially devastating to your operations.

What is Professional Liability Insurance?

Small businesses that provide professional services or give advice to clients should consider purchasing Professional Liability insurance in California.

Professional Liability insurance (also known as Errors and Omissions or E&O insurance) is an essential type of policy that protects you and your company in case of a lawsuit due to alleged professional wrongdoing. It protects your business against claims of negligence, misrepresentation, or mistake. Typically, the allegation is that your services, products, or employees caused some form of financial damage to your clients.

For example, imagine you offered a professional service that did not suit your customer. They suffered personal and financial damages after using your offering, and as a result, they initiate a lawsuit against your company. In such a situation, a Professional Liability insurance policy can help you meet the expenses incurred while defending your company.

 

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What does Professional Liability Insurance cover?

Professional Liability insurance in California protects you against claims of:

  • Error or Mistake
  • Omission
  • Missed deadlines
  • Undelivered services
  • Negligence
  • Breach of contract

If a claim or lawsuit is brought against your business alleging any of the above, your Professional Liability insurance policy will pay all legal expenses incurred while defending your company. This includes lawyers’ fees, documentation and underwriting charges, administrative costs, settlements, and judgements.

Importantly, Professional Liability insurance in California helps protect you against both actual and alleged losses resulting from your work. Lawsuits can be expensive, regardless of whether they have merit or not. A Professional Liability policy helps protect your business’ finances by paying relevant legal fees. Without a policy, you would be responsible for these costs, which could potentially lead to bankruptcy or business closure. In a worst-case scenario, you might also need to dip into your personal savings to pay your legal expenses.

Professional Liability claim example

Here’s an example of a Professional Liability insurance policy in action:

One of your designs has a flaw, making it necessary for the builder to tear down his work and start over. Your client sues you for the cost of new materials and labor to rebuild the part of the project that is damaged by your flaw. Professional Liability insurance will cover this claim up to your limits of liability.

Professional Liability insurance can help shield your small business against a wide range of claims that professional service providers commonly face.

What is not covered

Professional Liability insurance provides important protections for many small businesses. However, it does not shield you against every risk your business may face. Other forms of insurance coverage might be necessary to fully protect your enterprise.

Small business owners in California might consider these and other types of coverage to meet their business insurance needs:

  • General Liability – Also referred to as Commercial General Liability (CGL) or “slip and fall coverage”, this insurance can protect your business against bodily injury or property damage lawsuits from outside parties.
  • Business Owner’s Policy – A Business Owner’s Policy (BOP) is a combination of policies, combining covers such as General Liability insurance and business personal property coverage, to help protect small businesses from costly interruptions to service.
  • Workers’ Compensation – Workers’ Compensation insurance (also referred to as Workers’ Comp or Workman’s Comp) protects you against medical expenses and lawsuits that can arise from employee workplace injuries and illnesses. It could also pay lost wages as a result of the work injuries that an employee sustains.

 

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Who needs Professional Liability Insurance?

Many types of professionals and businesses may benefit from having Professional Liability insurance in California. These include ventures that engage in giving advice based on expertise or specialty knowledge, making educated recommendations, designing solutions, or representing the needs of others on their behalf.

Professional Liability insurance can safeguard your professional reputation, profitability, and business assets from the potentially astronomical expenses of litigation (whether justified or not).

Professions that may need Professional Liability insurance are:

ArchitectsNotary Publics 
ConsultantsPersonal Trainers
Engineers Pilates Instructors 
Home Care Providers and BusinessesYoga Instructors 

As you can see, the types of professions that typically buy Professional Liability insurance is varied. If you are unsure if this form of coverage is right for you and your business, it may help to think about the nature of your job.

Individuals or businesses that engage in the following activities should consider having Professional Liability coverage:

  • Regularly give advice or recommendations to clients
  • Design products or custom solutions for clients and customers
  • Represent a client’s interests on their behalf
  • Provide other professional services to clients and customers
  • Employ others who do any of the above

 

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Are businesses required to have Professional Liability insurance in California?

Small businesses in California are not required by law to have Professional Liability insurance. However, professionals working in some industries may be required to have a policy by other groups.

Professional associations sometimes require their members to have Professional Liability insurance. Maintaining minimum levels of coverage may be a necessary step to obtaining and renewing a professional license or working in the industry. Your professional association’s website should have information about their insurance requirements, if any.

Additionally, clients may also require you to have Professional Liability insurance to work with them. This condition may be written into business contracts, and you could be asked to provide proof of your insurance before commencing work for the client.

Even if you are not required to have Professional Liability insurance, it may still be wise to have a policy. Customers may expect the businesses or professionals they hire to have insurance coverage. A policy communicates your professionalism and shows clients you value your business reputation and are ready to defend it, if necessary.

 

How much does Professional Liability Insurance cost in California

Professional Liability insurance costs can vary widely. This is because premiums (how much you will regularly pay for a policy) are affected by different factors that together create a unique profile of your business.

The cost of Professional Liability insurance is heavily influenced by the types of occupation it provides cover for. Generally, the riskier the occupation, the higher the cost.

Other key factors that play a part in determining the cost of Professional Liability insurance are:

  • Your business turnover and size – Larger contracts typically mean taking on more risk.
  • The amount of insurance coverage you require – The more coverage you need, the more you can expect to pay.
  • The individuals being covered – Are they qualified for the job they are performing, and do they have a previous history of claims?
  • Your individual claims history – A history of making similar claims in the past may increase the amount you pay for a policy.

 

 

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Noa made sure I had all the information I needed for a first time business owner . He helped me understand what I needed to secure a quality policy and he was super helpful when explaining how the policy would serve its purpose to my company. I was very satisfied and had an Awesome experience, I think people like that make the company look good!
Wayleen Ortiz
Wayleen Ortiz
04:36 15 Oct 21
Julia Georges-Louis
Julia Georges-Louis
22:28 29 Sep 21
I was in need of WC, GL and PL coverages for my business and was able to shop, discuss, confirm and purchase all the coverages in two days! This was a great experience, especially when "Time is Money". Noah Bowman was very professional and knowledgeable. Thanks!
AmeriCreed 1776
AmeriCreed 1776
15:42 23 Sep 21
MOVING FORWARD, I WILL BE SENDING ALL OF MY BUSINESS TO THIS COMPANY !!!! Incredible customer service!!! Thanks
THEODORE WELLS
THEODORE WELLS
19:49 09 Sep 21
Daniel Patrick Sullivan
Daniel Patrick Sullivan
16:49 07 Sep 21
Their representative clearly explained different kinds of policies to help me select the one appropriate for my needs and then helped me enroll by phone painlessly. By the end of the call, I had a policy in place.
Dissent Doe
Dissent Doe
22:21 02 Sep 21
Sheree Williams
Sheree Williams
19:39 27 Jul 21
Eugene was Awesome!!!!
Lakesha G
Lakesha G
17:19 21 Jul 21
Excellent solution for writers and authors professional liability policy as well as coverage for copyright and trademark infringement. Service was prompt and excellent.
Lane
Lane
18:22 22 Jun 21
Jugrid Ombisi
Jugrid Ombisi
16:26 15 Jun 21
Done in less than an hour!
William Opperman
William Opperman
00:30 02 Jun 21
Efficient, and great value. The agent was able to give us a quote and a new policy in a short period of time. Thank you
Brenda Jones
Brenda Jones
20:30 24 May 21
I had a great experiencing obtaining several of my insurance needs as a landscaping company here in Northern Colorado. BizInsure's team took care of my needs and was very responsive to help with paperwork needed to secure a potential client account!
Arik Solberg
Arik Solberg
16:34 10 May 21
Adj Ako
Adj Ako
16:47 05 May 21
Very efficient they were able to help me out with my request promptly....highly recommend this companyI am very happy to have them
Elba Perez
Elba Perez
18:50 26 Apr 21
I need a help getting errors and omissions insurance along with general liability. Jose was very friendly informative and was very patient with me during the process. He found me some of the best rates for the coverage that I needed. Highly recommend
Casper Martinez
Casper Martinez
19:51 20 Apr 21
I had numerous conversations with several business insurance agents over a month's time. I also had several conversations confirming the policy inclusion/exclusions and asked many questions. My BizInsure agent was professional, knowledgeable and most important—detail oriented. Even after having an initial conversation a month earlier he knew and *remembered* all my personal/professional insurance needs. When I asked for additional information on the third call he was able to provide me with details very quickly. He was also VERY patient. That is a big plus in my opinion. It illustrated a high level of respect for my needs. I also found when I called back and asked to talk with the initial agent, the person who answered the call was able to get in contact quickly and my agent responded and returned the call within 5-10 minutes. The transaction was smooth, and I think it's a good sign should I ever need to make a claim. I highly recommend BizInsure.
Poetic Films
Poetic Films
21:00 07 Apr 21
Sandra Darjean-Murphy
Sandra Darjean-Murphy
17:48 31 Mar 21
Jusephine Ghong
Jusephine Ghong
17:58 23 Mar 21
The rep was extremely helpful actually lowered my quote and made sure I was covered to fit my needs with my growing business! 5star!!
Franklin Behm
Franklin Behm
19:04 16 Mar 21
Excellent service and prices.
Cassiopée V Lapierre
Cassiopée V Lapierre
23:13 09 Mar 21
S & S Professional care llc Home Health Agengy
S & S Professional care llc Home Health Agengy
04:15 24 Feb 21
Mr. Daniel Scott was very responsive to my professional needs.
Stephanie Woodruff
Stephanie Woodruff
17:38 18 Feb 21
Eugene deserves a raise! First time purchasing insurance and he made the process so simple for me. His patience and attention to detail left me feeling confident in my decision to choose BizInsure. Gracias Eugene!
Esined Perez
Esined Perez
23:32 17 Feb 21
DIVINE FIJIANS HOME CARE SERVICES
DIVINE FIJIANS HOME CARE SERVICES
22:49 05 Jan 21
The customer service provided by Jose was outstanding. He explained everything in a very clear/logical way and answered all of my questions. After providing all the information to obtain general liability insurance, Jose sent me the declaration page of the insurance for review. All of the information matched what I provided over the phone and there were no typos. The next day I called back to purchase the insurance which was easy and fast. Overall, my experience with BizInsure including the customer service by Jose exceeded my expectations.
Joe Wajdula
Joe Wajdula
03:29 12 Dec 20
Hiscox/BizInsure made getting Liability Insurance very easy and reasonable.I expected it to be a long and complicated process and it was a nice surprise that they made it so uncomplicated. Thank you. Lisa
Lisa Word
Lisa Word
21:51 24 Nov 20
Eugene was incredible. I called 4 other brokers before him who were impossible to get any help.
rhonda hale
rhonda hale
23:26 12 Nov 20
Owner (LPN)
Owner (LPN)
23:19 06 Nov 20
Cincere Browdy
Cincere Browdy
15:16 29 Oct 20
Very quick to get in touch with you and good with follow up. Had some trouble retrieving my quote to log into my account initially but Daniel assisted me and the changes were made to get me into my account. Great value for the money.
Fran Sutton
Fran Sutton
16:34 20 Sep 20
Very happy to be insured with this company. Professional, Timely, very helpful. Thank you Juan, you made it so much easier for me to understand.
Aileen Day
Aileen Day
19:55 15 Sep 20
This company responded when I needed them to respond while facing a deadline. They are an excellent choice for business Insurance.
Michele Harris
Michele Harris
01:52 12 Sep 20
Jose Quintero took such great care of me and was very patient explained everything I did not understand and got me set up quickly. Fabulous customer service
Christina Rose
Christina Rose
02:41 27 Aug 20
I can't say enough good things about Daniel Santos kind and effective communication skills as an insurance agent. Daniel was so pleasant, friendly and efficient with helping me obtain insurance as a teacher. If I were to give Daniel a grade, he has earned an At . He made the process easy to understand, it was far easier than what I anticipated. Nancy S.
Nancy Sloan
Nancy Sloan
00:47 26 Aug 20
I was in need of professional liability insurance for my sole proprietorship. A friend referred me. Everythng was quick and simple and AFFORDABLE!
hope jones
hope jones
20:31 25 Aug 20
If you need Private Home Care Provider insurance for your company, BizInsure, LLC can get it for you!
Pamela Curry
Pamela Curry
16:45 24 Aug 20
Cameron Peek
Cameron Peek
19:25 24 Jul 20
Great and fast service!!!! The representative was very professional!!!!
Tanya Sweet
Tanya Sweet
19:51 14 Jul 20
I was tryi9ng to find commercial liability insurance for my new comp-any and BizInsure was easy to use and very affordable which is great for me as a new business.
Jimmy Smith
Jimmy Smith
19:01 14 Jul 20
Great service, but they're also extremely patient. I called over a month ago for specialized E & O coverage, and Bizinsure was able to put me in touch with an extremely reasonable quote. Absolutely invaluable time and monetary savings to be had by going through these folks. If you can-- ask for Anthony. Absolute gem of a human.
James Lang
James Lang
18:19 02 Jul 20
Ken M
Ken M
23:21 28 Jun 20
Great service insurance prices are great for professionals looking to get insurance for businesses....
Rhonda Gray
Rhonda Gray
22:34 22 Jun 20
The provided very professional service and made the process easy.
Paul Rising
Paul Rising
21:51 04 Jun 20
Bradley Hoyle from the Biz Insure team was excellent to work with. Everything was quick and smooth. Great service, much appreciated!
Kristene Smith
Kristene Smith
02:03 04 Jun 20
Anthony Spencer was great!! Very quick response time!! He was very Professional! I would suggest him because he helped me find a affordable rate and explained all the technicalities..
Fre Hall
Fre Hall
16:38 28 May 20
I was referred to Bizinsure by a industry trade group that I am a member of. It was easy to get a quote online and then received excellent customer service from Bradley H. to complete my policy purchase over the phone. I have shared this company information now with other business owners for their policy needs.
Dawn Torres-Gale
Dawn Torres-Gale
22:11 08 May 20
This company was very precise with explaining services and made sure I chose the right business insurance coverage, great customer service at purchasing.
Nekeisha B.
Nekeisha B.
01:30 05 May 20
Amazing
Jasmine Q
Jasmine Q
14:31 02 Dec 19
Trish is the most patient, professional and understanding insurance agent I’ve ever worked with. Trish has taken care of all my business insurance needs for the last couple years. I am really happy that I found an insurance agent that I know will take care of me & all of my concerns. I feel like a valued customer & I appreciate the great customer service that I get every time!!THANK YOU!
Dr. Youssef C. Atallah
Dr. Youssef C. Atallah
17:21 14 Nov 18
Tricia helped me get insurance for my business. The task of obtaining a quote was really starting to frustrate me until I was referred to BizInsure through a different agency. Tricia got me a quote fast, and even took a down payment over the phone and issued the proof of insurance the same day. a+ service, would do it again in a heartbeat!! Thank you!!
Josh Mariscal
Josh Mariscal
18:07 22 Jun 18
BizInsure was a great find! I did not have to fill out applications, and Tricia was able to quote and bind business insurance for me within half an hour.
Allison Young
Allison Young
17:28 21 Jun 18
Started doing business again and needed a policy fast. Ramez was reasonable, helpful and the rates are OK. Buyer beware? Sure, for me it turned out OK this time. Worth a call.
Mark Wallace
Mark Wallace
23:42 13 Nov 17
Daniel Scott
Daniel Scott
15:15 27 Jun 17
Great customer service. I've been very inpressed with my dedicated representative that had helped me navegate my insurence needs. Thanks so much!
Graham Blair
Graham Blair
22:12 23 Jun 17
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