Professional Liability Insurance

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What is it?

Professional liability insurance, also called errors & omissions (E&O) protects your business if you are sued for negligence or mistakes while performing your services, even if you haven't made a mistake.

What's covered?

  • Alleged or actual negligence–provides coverage for you or your company against alleged claims of negligent or inadequate work.

  • Defense costs–provides legal defense and coverage for judgments and settlements to arise out of such allegation.

  • Services performed in the past–can also offer coverage for claims from services provided in the past (depending on your coverage).

Do I need it?

You should consider this coverage if you answer yes to one or more of these questions:

  • Do you provide services for a fee?

  • Do you regularly give advice?

  • Are you required by your clients to carry E&O?

Whether you’re prone to making mistakes or not, let’s face it: We live in a litigious age. You could be sued even when you did everything right, yet be stuck paying thousands of dollars defending yourself in a lawsuit anyway.

Depending on your industry, your insurance needs will vary.

How do I get started?

  • Be as detailed as you can. You may also want to get together resumes, contracts and financials, and your employee handbook, as many insurers will request copies.

  • The more info you provide that proves credibility (i.e. quality control procedures and/or training procedures), the easier it will be for us to get you a good rate.