Professional Liability Insurance

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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:

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.


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 legitima

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

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.

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How does Professional Liability Insurance work?

Many Professional Liability policies are what’s known as “claims-made” policies. They are typically written with a retroactive date and an extended reporting period.

The retroactive date means you are covered for events that happened on or after the date agreed upon in your policy (so long as your policy is active when the claim is made). This helps protect your business if a client alleges financial loss long after you’ve competed for work for them.

The extended reporting period helps cover claims made after your policy ends. This means that for a limited period after your policy ends (typically 30 or 60 days), claims can still be filed and in many cases covered by the insurer.

A claims-made Professional Liability insurance policy helps protect your business against claims made
from the retroactive date specified in the policy to the end of the extended reporting period.

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


These guidelines can apply to a number of different professions in very different industries. Examples include:

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.

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.

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.

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.

How much does Professional Liability Insurance cost?

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.

Click here to get quotes for your specific needs.

Professional Liability Insurance FAQs

Why do you need Professional Liability insurance?

Professional Liability insurance helps protect your small business against financial loss. If a customer makes a complaint against your business, it could potentially cost thousands of dollars to defend your business and reputation—regardless of whether the claim is valid or not.A Professional Liability insurance policy can cover the legal fees, settlements or judgements resulting from a claim. Without one, you could be left out of pocket for these expenses, need to borrow from your personal savings, or even be forced to close your business. Professional Liability insurance helps shield you and your small business from financially negative outcomes.

Most small businesses are not required by law to have Professional Liability insurance. However, a policy may be a wise investment for many types of businesses. Professional Liability policies are often purchased by architects, contractors, engineers, home health providers, real estate agents, as well as by many other people in a variety of occupations.

If you are unsure if you or your small business needs Professional Liability insurance, it may help to consider the following questions:

  • Do you ever work with clients who require that you have your own policy?
    Some clients require you to have your own Professional Liability insurance policy to work with them.
  • Do you provide professional services directly to customers?
    A small mistake in your work could mean big financial losses for a customer. Professional Liability insurance can help protect your business from these types of claims.
  • Do you offer clients advice based on your business expertise?
    Errors, omissions or misunderstandings can happen when providing clients with professional advice. Professional Liability insurance is built to protect you if this happens

If you answered yes to any of these questions, you may need Professional Liability insurance.

Is Errors and Omissions insurance the same as Professional Liability insurance?

Yes, Errors and Omissions (E&O) insurance is the same as Professional Liability insurance. The two names are often used interchangeably. However, you may be more likely to hear about E&O insurance if you work in certain industries, such as real estate or accounting.

Though they go by different names, an E&O insurance policy covers the same things as a Professional Liability insurance policy. This includes shielding your small business against claims of:

  • Errors
  • Omissions
  • Professional negligence
  • Inaccurate advice
  • Misrepresentation
  • Missed deadlines
  • Undelivered services


E&O insurance is important for many small businesses. No matter how careful you or your employees are, mistakes do happen. An E&O insurance policy helps protect your business and reputation in these instances.

E&O insurance helps cover the costs associated with defending yourself against claims of negligence, misrepresentation, and omission. This includes hiring an attorney, paying court costs, and covering any settlements or judgements you are required to pay. Without E&O insurance, your business could be responsible for thousands of dollars in legal fees, even if the claim has no merit. These costs are often devastating for small businesses and sometimes result in the closure of business.

Some states may require small businesses or professionals in certain industries to have E&O insurance to operate in the state. They may set requirements for the minimum amount of errors and omissions coverage you will need to do business. Check with your state’s small business center, department of insurance, or local professional groups to learn more about the requirements in your state.

Do some clients require you to carry Professional Liability insurance coverage?

Yes, some clients do require businesses and professionals they work with to carry Professional Liability insurance. In some cases, clients may require proof of your insurance coverage to win a business contract with them. You may be asked to provide your certificate of liability insurance (CLO) to verify that you are insured and the amount of coverage you have.

Clients often require coverage to provide peace of mind that certain liabilities or losses will be covered should things go wrong during a project. For example, you and a designer are working together on a project for a mutual client. The designer misinterprets your renderings and orders expensive materials which won’t work with your plans. The mutual client sues both of you for professional negligence, demanding that you reimburse them for the unusable materials. Professional Liability insurance will help cover the cost of an attorney to represent you, and any judgements or settlements you are ordered to pay if you are found to be at fault.

Other clients may require you to have your own Professional Liability insurance so they know they will not be held liable for damages or substandard work. For example, 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.

What are the things you need to consider before purchasing Professional Liability insurance?

Choosing the right Professional Liability insurance policy for your business is important. There are many things you may need to consider.

Before purchasing Professional Liability insurance, ask yourself these questions:

  • Are there minimum amount of coverage requirements in my state for my occupation?
    Some states require Professional Liability insurance for certain occupations and businesses. They may also set minimum coverage amounts to operate in the state. Contact your state’s small business development center to learn what is required in your state.
  • How much coverage does my business need?
    Regardless of what is required by law, the amount of coverage you need will likely depend on several factors. These may include things like the size of your business, your industry and occupation and the level of risk you anticipate.
  • What are the risks of my occupation or business?
    Every business is unique. Your Professional Liability policy should provide coverage for the unique risks you’ll face.
  • Will Professional Liability insurance cover all these risks?
    Professional Liability insurance may not cover every type of risk your business may face. You may also need other types of insurance, such as General Liability or a Business Owner’s Policy, to fully protect your business.
  • What is the cost of a policy?
    The cost of Professional Liability insurance depends on many factors. While the amount you pay in premiums is an important thing to consider, the least expensive policy may not provide the best coverage for your business. Be sure to weigh all factors, including price, before purchasing a Professional Liability policy.

How do I get Professional Liability insurance?

Our team of knowledgeable and friendly support staff are here to help you through every stage of the process and can assist with anything a traditional agent would help you with. There to guide you through the initial questions about your policy, up to renewal, we will be there as the needs as your business grow and change.

Get started today by either filling out the online application here or call one of our agents today at 1-877-900-9998.

How much Professional Liability insurance do I need?

We know you are busy trying to run your business, so we won’t bore you with the nitty-gritty. Like most purchases in life, the higher the quality and level of service of the product, the higher the price tag and the same goes for Professional Liability insurance policy premiums. A policy with increased coverage is going to cost more than a policy with a lower level of coverage.

Each business is different and exposed to varying risks creating its own unique insurance needs. There isn’t a one size fits all policy when it comes to Professional Liability insurance, but there are factors that can affect the pricing and level of coverage you may choose.

To get an understanding of what policy limit options are available, most insurers offer limits of $500,000, $1million and $2million with $1million being the most commonly selected limit.

There are a few factors that you need to consider when calculating the amount of insurance your business needs. This includes assessing the level of risk you anticipate, what deductibles you can afford and the type of business you run.

What’s the difference between General and Professional Liability insurance?

General Liability insurance provides protection for any physical injury that may be caused to people or damage to their property caused by your business operations. An example of a General Liability claim could be a delivery driver who trips and hurts themselves in your store or accidentally spilling a hot drink on a customer’s laptop causing bodily injury.

Professional Liability insurance provides coverage for claims of negligence related to your professional services or advice. A client may make a claim for the financial losses they have suffered, unlike a General Liability claim for bodily injury or damages.

Do I need General and Professional Liability insurance?

General Liability and Professional Liability insurance are two different kinds of policies designed to cover different types of risks. These are some examples of situations when you may require having both of these coverages in place.

  • Provides protection against business liabilities– Both General and Professional Liability insurance provide peace of mind and protection if a claim against your business were to occur. They provide financial protection from the incidents caused, helping your business to carry on and keep operating as it would have before a claim.
  • Contractual obligations– if you are faced with a specific contract, it is commonly required that businesses must hold a certain level of General or Professional Liability insurance before they can start working for them.

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Super helpful! Made everything so easy!!!
Andrea O.
00:22 29 Mar 23
Very professional people. Prompt reactions always
emile W.
16:06 28 Mar 23
BizInsure has really come through for me on some really hard to place risks. Andrew takes the time to understand the risk and work through how we can make it work, rather than looking for ways to say no. Thank you for your help!
Carlos T.
18:06 16 Mar 23
Very helpful and explanatory on the policy line of the policy
Josua V.
17:30 14 Mar 23
Worked with Tevin. Amazing customer service. Was very patient with me in figuring out the best insurance coverage for business. Thanks Tevin for making it easy.
Faisal O.
16:23 14 Mar 23
No complaints, Always a fast response when a need arises.
Dan F.
13:56 10 Mar 23
Very good information patience was shown. Much help from Kaled, satisfied with the amount of insurance and good coverage. Affordable is what you need with starting a small business until you grow. Old saying is go as you grow.
Jacquelynn W.
21:53 20 Jan 23
Professionals at what they do! easy to navigate and very good people to lead to to the best coverage!
Magnifier 2.
20:37 17 Jan 23
I have been shopping for business liability insurance for several months. I am happy to share that BizInsure ranked #1! The representatives were polite, patient, and empathetic. They accomplished what most companies struggle with achieving: they did what they said they were going to do, they were on time, and they had empathy. They delivered a policy for 25% less than the closest competetor, and even included $50k of cyber security at no additional cost! I only write reviews when I receive exceptional experiences- highly revommended; keep up the great service BizInsure!P.S. I own a professional referral service in Hawai'i and I am going to see if BizInsure offers an affiliate program.Aloha!
John S.
05:51 23 Nov 22
They respond quickly and give you quotes immediately ...
Regean K.
23:55 09 Nov 22
The agent that I spoke to was very experienced and could tell that I was new at this and was very understanding and took the time to explain everything to me.
lotanga J.
00:04 15 Oct 22
Easy to work with and very responsive. Glad to have them as my broker.
Edward G.
18:54 13 Sep 22
We’re very happy with BiInsured LLC. VERY AFFORDABLE
Paul A. F.
19:20 11 Sep 22
Jasmine Q was on the spot professional, she knew where to direct me and explain to me my concerns and request; she delivered my personal information within minutes of me asking policy questions.That young lady is a true ROCK STAT!!!
Shaka 3 Z.
23:09 15 Aug 22
For a small non-profit, the package I was given was affordable. The representative was polite, patient, understanding, and knowledgeable.
Gertrude R.
18:06 15 Aug 22
Asked for a specific venue to be place on our certificate of insurance and it was done within one business day. Yay! Bizinsure!
Melinda S.
17:02 01 Aug 22
The process was fast and easy and the professional staff was very knowledgeable with any questions that I had and ready to help
06:40 31 Mar 22
Friendly agents. Timely replies. Fair pricing. This is a good fit for my business! Thank you, Noah, for all your help.
Beth Anne V.
19:27 28 Mar 22
They are awesome
Tony H.
00:41 07 Jan 22
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 O.
04:36 15 Oct 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 1.
15:42 23 Sep 21
19:49 09 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 D.
22:21 02 Sep 21
Eugene was Awesome!!!!
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.
18:22 22 Jun 21
Done in less than an hour!
William O.
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 J.
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 S.
16:34 10 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 P.
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 M.
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 F.
21:00 07 Apr 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 B.
19:04 16 Mar 21
Excellent service and prices.
Cassiopée V L.
23:13 09 Mar 21
Mr. Daniel Scott was very responsive to my professional needs.
Stephanie W.
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 P.
23:32 17 Feb 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 W.
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 W.
21:51 24 Nov 20
Eugene was incredible. I called 4 other brokers before him who were impossible to get any help.
rhonda H.
23:26 12 Nov 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 S.
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 D.
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 H.
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 R.
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 S.
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 J.
20:31 25 Aug 20
If you need Private Home Care Provider insurance for your company, BizInsure, LLC can get it for you!
Pamela C.
16:45 24 Aug 20
Great and fast service!!!! The representative was very professional!!!!
Tanya S.
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 S.
19:01 14 Jul 20
Great service insurance prices are great for professionals looking to get insurance for businesses....
Rhonda G.
22:34 22 Jun 20
The provided very professional service and made the process easy.
Paul R.
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 S.
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 H.
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 T.
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.
01:30 05 May 20
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. A.
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 M.
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 Y.
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 W.
23:42 13 Nov 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 B.
22:12 23 Jun 17

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