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:

And many more

Click here for a complete list of Frequently Asked Questions

Click here for Professional Liability Insurance FAQs

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.

Click here to get quotes for your specific needs.

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 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.

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Who needs Professional Liability Insurance?

There are many types of small businesses and occupations who could need Professional Liability insurance. This includes businesses that:

  • Regularly give advice to clients
  • Provide professional services directly to customers
  • Represent their clients’ interest on their behalf

In many states, minimum amounts of Professional Liability coverage are required for some occupations, such as medical professionals and attorneys. Additionally, professional associations and some clients may also require you to carry this type of policy.

To learn more about the Professional Liability requirements in your area, consult your state or local laws or professional association.

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

Whether you’re designing the newest skyscraper or a family home, you may need protection while you work. A small error, misunderstanding with the contractor, and other forms of professional wrongdoing can leave architects open to an expensive lawsuit. Professional Liability insurance could help shield you against common risks you may face. Visit our Architect Liability Insurance page to learn more.

Your work is essential to the planning and construction of buildings and other parts of the country’s infrastructure. Engineers work closely with architects, contractors, and other professionals on each project. A missed deadline, mistake, and other unintentional mishaps could leave you vulnerable to a lawsuit. Visit our Insurance for Engineers page to explore your coverage options.

Business owners and professionals rely on your expertise and advice to help them improve their company. A simple mistake, missed deadline, or breach of contract could lead to a costly lawsuit that threatens a consultant’s finances and professional reputation. Professional Liability insurance could help you protect your consultancy. Visit our Insurance for Consultants page to learn more.

Working closely with patients and their families can be rewarding. It can also leave healthcare providers at risk for expensive lawsuits. Shield yourself against claims of negligence, mistakes, and other types of professional wrongdoing with Professional Liability insurance coverage. Visit our Insurance for Home Care Providers, Businesses and Agencies page to explore options for protecting your small business.

Your clients trust you with their money. A small mistake could lead to huge losses for them—and even bigger problems for you. Professional Liability insurance helps protect accountants against expensive lawsuits resulting from errors and other faults in their work. Visit our Insurance for Accountants page to learn more about protecting your small business.

You need insurance but don’t know what kind? BizInsure offers General Liability Insurance, Professional Liability Insurance, also known as Errors & Omissions insurance (E&O), Workers Compensation Insurance, and Business Owner’s Policy, so you have plenty of options. Compare quotes and find out which policy is right for your company with BizInsure.

Professional Liability Insurance FAQs

Is employers’ liability the same as Professional Liability insurance?

No, employers’ liability is not the same as Professional Liability insurance.

Employers’ liability protects businesses against workplace injury or illness claims not covered by Workers’ Compensation insurance. It may be included as part of your Workers’ Compensation policy (except for policies purchased from a monopolistic state fund) or added to your policy as an endorsement.

Employer’s liability typically covers:

  • Lawsuits by third parties distantly involved in the accident
  • Lawsuits brought by the family of an employee who is deceased or disabled
  • Non-employees who suffer physical damage due to the employee’s injury
  • Dual-capacity lawsuits where you are sued both as the employer and as something else (i.e., a product manufacturer, service provider, landlord, etc.)

Is malpractice insurance the same as Professional Liability insurance?

Malpractice insurance is a type of Professional Liability insurance designed specifically for people working in the medical field. The potential for mistake is higher for these occupations and the consequences that follow them could be much greater for their patients.

Examples of occupations that may consider malpractice insurance include:

  • Doctors
  • Surgeons
  • Dentists
  • Nurse practitioners
  • Massage therapists

What is General Liability and Professional Liability insurance?

General Liability is a common form of insurance coverage that many small businesses consider. It differs from Professional Liability insurance in that it covers bodily injury and property damage claims made by third parties.

You might consider General Liability insurance if you:

  • Regularly meet with third parties (clients, vendors, delivery people, etc.) in your office or workplace
  • Regularly meet with clients or vendors in their homes or places of business, or on third-party worksites
  • Handle your client’s property or personal belongings
  • Have employees who do any of the above


Click here to learn more about General Liability insurance.

What is the difference between E&O and Professional Liability insurance?

Professional Liability insurance is the same as Errors and Omissions (E&O) insurance. They provide the same forms of protection against mistakes in your work, negligence, breaches of contract, and other common liabilities in this category.

You may be more likely to see a policy listed as E&O insurance when it is being sold to certain industries, such as real estate, tech, and accounting.

Is directors and officers’ insurance the same as Professional Liability?

Directors and officers’ insurance is a type of Professional Liability insurance designed specifically for the higher ups at a company. This includes directors, officers, executives, and other members of upper management.

While directors and officers’ insurance is similar to Professional Liability insurance, the coverage it provides is targeted to the unique risks faced by a company’s primary decision makers. This includes:

  • Negligence
  • Poor financial management
  • Errors
  • Wrongful acts and conflicts of interest (excluding crimes or illegal acts)


Like Professional Liability, directors and officers’ insurance protects against claims that typically come from outside the company, such as from a dissatisfied client or investor.

Is employment practices liability the same as Professional Liability insurance?

No, employment practices liability is not the same as Professional Liability insurance.

Employment practices liability protects businesses against claims and lawsuits brought by employees who allege that the company has violated their legal rights. Common reasons for an employment practices lawsuit include:

  • Wrongful termination
  • Failure to promote or hire
  • Discrimination
  • Sexual and other forms of harassment

Is Professional Liability insurance tax deductible?

Yes, Professional Liability insurance is typically a tax-deductible expense for small businesses. According to the IRS, you can deduct many insurance premiums that are considered ordinary and necessary costs. This includes Professional Liability, General Liability, and Workers’ Compensation insurance, as well as many of the coverages that can be included in a Business Owner’s Policy (BOP).

A tax professional can help you determine which insurance premiums you can deduct from your tax filing.

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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