Professional Liability Insurance Missouri

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What is Professional Liability Insurance?

Small businesses in Missouri make up 99.4% of all businesses in the state. That’s just over 530,000 businesses, according to 2020 data from the U.S. Small Businesses Administration.

Many small businesses provide their clients with professional services or advice. But what happens if a mistake is made that costs the customer money? This is why small business owners should consider buying Professional Liability insurance in Missouri.

A Professional Liability insurance policy (also known as Errors and Omissions or E&O insurance) is an essential policy that protects you and your company in case of a lawsuit due to alleged professional wrongdoing.

Imagine you give a customer advice that results in them suffering a financial loss. They may decide to sue your company as a result. Professional Liability insurance can help you pay for the legal expense of defending your company.

What does Professional Liability Insurance cover

Whether a customer’s claim against you is valid or not, it can still cost thousands of dollars defending your reputation and business. Professional Liability Insurance in Missouri covers:

  • Attorney fees
  • Administrative legal fees
  • Settlements for claims settled out of court
  • Judgements for claims settled in court

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Who needs Professional Liability Insurance?

Businesses and individuals may need Professional Liability insurance if they do one of the following:

  • Offer specialized services
  • Give customers advice that they rely on the make decisions
  • Employ people who provide these types of services or advice on behalf of the company

If any of the above apply to you or your business, then Professional Liability insurance can help protect your finances and reputation against third party claims of errors, omissions or negligence.

Professions that need professional liability insurance include:

Architects Notary Publics
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 small businesses in Missouri varies.

Professional Liability insurance policies are tailored to the individual or business they cover. The cost of a policy will depend on several factors, including:

  • How risky the occupation is – Riskier jobs tend to pay more for
  • Professional Liability insurance.
  • The size of your business – More employees increase the risk that mistakes will be made.
  • The amount of insurance you need – As with most insurance, you’ll likely pay more for more cover.

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As with any insurance, coverage will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this guide is general only and should not be relied upon as advice. The number of quotes provided varies between products, occupations and other underwriting factors determined by the insurers.
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Easy to navigate what you need. Always notify ahead of renewal!
Andrew is an asset to your company!
Liability Insurance is not enough for a smallbusiness. BizInsure also has Professional Liability Insurance to protect my business and team from unintended missteps. Thank you for making the process easy.
I renewed my policies , including a few updates, through the on-line portal. It was quick, easy and completed in a few moments. I will not have to revisit thias until 12 months from now. I printed out my documents and have no questions pertaining to my renewal. It was seamless. Thank you Biz Insure
Fast, Simple, convenient
This company is very efficient, easy to manuever their online renewal, I love it and would recommend to anyone.
Awesome service!
Very easy to work with, cost effective, prompt renewal and easy to get certificates of insurance instantly. I use them exclusively for my professional and general liability insurance needs as a consultant. They simply make my insurance be easy!
VERY PROFESSIONAL STAFF. CALLS ARE RETURNED PROMPTLY!!
Huge thank you to Andrea, she was patient, kind, & caring! Got my quote fast & at best price!
Excellent and Easy service - Thank you.
Amy was a delight to work with she help me with finding he right policy for my business I can't thank her enough for her help
I purchased liability insurance for my home care agency, Unlimited Gentle Care, and the process was seamless and straightforward, ensuring that every aspect of our liability was covered. This company also offers a great value for the extensive coverage my company receives
BizInsure was an easy way to purchase insurance for my business.Kaleb especially was a great help.Thanks,Rich Valentini
awsom service, perfect price and great policy
I have purchased General Liability Insurance for the past 4 years at BizInsure for my wedding videography small business. In these 4 years, it has always been a smooth process.There must've been some sort of technical issue (potentially due to my change in address), so my policy didn't auto-renew. I called Bizinsure and talked to Paulina, who was beyond helpful. She was very polite and explained things very well. One small detail that I can appreciate is that she often said my name, which shows that their customer service is intentional about personalized communication.In just a few minutes, we updated my account + renewed my insurance for a 5th year. I highly recommend Bizinsure!
great customer services.
This company allowed us an amazing experience, including very efficient, detail-oriented, and patient guidance from their commercial sales agent, Jenifer. I highly recommend this service for anyone in need of a business insurance policy.
Jennifer was very helpful and great to work with.
Very professional, fast and reliable. I appreciate their knowledge and experience. They have made this journey easier for me.
Very easy to renew! Thank you
super quick and easy process!
I am very satisfied with Bizinsure. No regrets
Very professional, easy, and thorough application process.
BizInsure is efficient and price friendly. I definitely reccommend them to anyone. Thank you.
Great process and very efficient.
Friendly and very fast service!
Jennifer Whiscombe, is an amazing agent. She was very knowledgeable, thorough and friendly. I highly recommend.
They make it very easy to buy insurance and renew.
As a business owner I love not wasting time. Thank you so much for giving me more time
Very straight forward, the cost of coverage amount made sense, simplicity was appreciated.
Always easy. Thank you.
A Company that is easy to deal with and that I have used for several years. I appreciate the continued support.
Very easy and affordable!
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