Professional Liability
Insurance
You’ve built a professional reputation—don’t let a single claim jeopardize it. Whether you’re a solo consultant or a growing firm, we’ll help you find the right protection at the right price.
Coverage You Can Count On When Advice Becomes Risky
Even the most experienced professionals can make mistakes. Whether it’s an error, an omission, or simply a misunderstanding—your clients can hold you legally and financially responsible. That’s where Professional Liability Insurance (also known as Errors & Omissions or E&O Insurance) comes in.
What Is Professional Liability Insurance?
Professional Liability Insurance provides coverage if a client claims your services caused them financial harm due to a mistake, negligence, or failure to deliver as promised. These policies are designed to cover:
- Legal defense costs
- Court judgments and settlements
- Claims of negligence or breach of duty
- Errors or omissions in professional services
- Alleged failure to meet contractual obligations
Even if a claim is baseless, the legal costs to defend your business can be substantial. Professional Liability Insurance ensures you’re protected—financially and legally.
Who Needs Professional Liability Insurance?
If your business provides specialized advice, services, or consulting, you face potential liability every time you work with a client. This coverage is critical for:
- Consultants and freelancers
- Lawyers and legal professionals
- Accountants and tax preparers
- Architects and engineers
- Real estate professionals
- Marketing and IT service providers
- Healthcare professionals (in addition to malpractice insurance)
What Does It Cover?
Policies are customized to your profession but commonly include protection for:
- Negligence: Accusations of careless or substandard service
- Misrepresentation: Claims of misleading or inaccurate advice
- Violation of good faith and fair dealing
- Breach of contract: When a client believes you didn’t deliver as promised
- Defense costs: Even if you’re not found liable, defense expenses can be significant
Note: Professional Liability does not cover intentional wrongdoing, general liability, or property damage—that’s why it’s often paired with other business policies.
(401) 886-9600
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Protect Your Reputation, Your Business, and Your Future
You’ve built a professional reputation—don’t let a single claim jeopardize it. Whether you’re a solo consultant or a growing firm, we’ll help you find the right protection at the right price.