Professional Liability Insurance
Protect your firm when a client alleges that your advice, work, or failure to act caused a financial loss. We match policy language to the services you provide.
We shop the market for you, no broker fees
Hiscox
Professional services
Chubb
Errors and omissions
Travelers
Management and professional liability
The Hartford
Small business professional liability
Markel
Specialty professional liability
Great American
Professional liability programs
Philadelphia Insurance Companies
Professional liability
Kinsale
Excess and surplus professional liability
For firms whose clients rely on their expertise
- Consultants
- Technology firms
- Real estate professionals
- Design and creative firms
What changes your premium
There is no flat rate for this coverage. These are the inputs a carrier prices against, and they are the same things the quote form asks you for.
- The professional services you actually perform
- Annual revenue, and the size of your largest engagement
- How many licensed or billable people you have
- The limit and the retention you select
- Your retroactive date, and how far back it reaches
- Contract terms you routinely sign, including hold harmless language
- Prior claims and circumstances you have had to report
How it works
10 minute form
A few questions about your business or home.
We shop the market
We compare carriers and read the forms line by line.
Pick the best policy
We explain what is covered, what is not, and what it costs.
Text us. We're by your side.
What this policy covers
Negligent acts, errors, and omissions
Claims that your work or advice caused a client financial loss.
Defense costs
The cost of defending a claim, even one without merit.
Negligent service
Claims that negligent performance of your services caused a client loss. Pure contract and fee disputes are usually excluded.
Covered professional services
The specific services described in your policy schedule.
Why do I need this if I already carry liability cover?
Because general liability answers bodily injury and property damage, and nothing else. A missed deadline, a design that failed, advice that cost a client money: nobody was hurt and nothing was damaged, so that policy never engages. This is the one that does.
How your limits and deductibles get set
We do not publish a limit or a deductible, because a number that is right for one business is negligent for the next. Here is the method instead.
- 01
Start with the contract
Leases, client agreements and general contractors usually dictate a floor. That requirement is the first constraint, not our opinion.
- 02
Then size the exposure
What a bad day actually costs you: the value at risk, the size of the jobs you take, how many people you have and what a defense would run.
- 03
Then price the step up
We quote more than one limit so you can see what the next tier costs before you decide. Higher deductibles lower premium and raise what you self fund.
- 04
Then review it at renewal
Revenue, payroll and property values move. A limit that fit two years ago is the most common gap we find on a renewal.
Frequently asked questions
What is professional liability insurance?
Also called errors and omissions or E&O, it covers claims that your professional advice or services were negligent and caused a client financial harm.
Who needs E&O insurance?
Consultants, real estate professionals, technology firms, accountants, and other advisors, especially when a client contract requires it.
Is it the same as general liability?
No. General liability covers physical injury and property damage. Professional liability covers financial loss from your work or advice.
What is claims-made coverage?
Most E&O policies are claims-made, meaning the policy in force when a claim is filed responds, subject to your retroactive date. Letting coverage lapse can create gaps.
How much does professional liability cost?
Cost reflects your profession, revenue, services, limits, and claims history. We match the policy language to what you actually do.
Does professional liability cover a client who slips in my office?
No. A physical injury on your premises is general liability. Professional liability answers financial harm caused by your work.
Does it cover a data breach?
Only partly, and often not at all. Breach response, notification, ransom and network interruption belong on a cyber policy. Some E&O forms endorse a small amount of it on, which is rarely enough on its own.
Does it cover a claim from an employee?
No. Discrimination, harassment and wrongful termination claims from your own staff are employment practices liability.
What is a retroactive date and why does it decide whether I am covered?
Most professional liability is written on a claims-made basis, which means the policy that responds is the one in force when the claim is MADE, not when the work was done, and only if the work happened after the retroactive date. Let a policy lapse and that date usually resets, which quietly strips cover from every year of work behind you. Keeping the date intact when we move a carrier is a large part of the job.
Protect the work your clients hire you to do
Tell us about your services, clients, and contracts. We will compare professional liability forms that fit.